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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $828,959 | $176,077+370.8% | $159,455+419.9% | $167,518+394.8% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 7.86% | 331.83%-324.0pp | 263.63%-255.8pp | 478.71%-470.8pp |
| Employer contribution / active EE | $22,675 | $5,298+328.0% | $4,830+369.4% | $4,838+368.6% |
| Participant deferral / active EE | $23,405 | $7,751+202.0% | $7,353+218.3% | $6,342+269.0% |
| Admin fee / account holder | $21,218 | $12,556+69.0% | $10,800+96.5% | $12,312+72.3% |