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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 | $643,795 | $174,379+269.2% | $152,093+323.3% | $138,895+363.5% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 7.53% | 74.86%-67.3pp | 66.36%-58.8pp | 145.39%-137.9pp |
| Employer contribution / active EE | $9,848 | $4,652+111.7% | $4,175+135.9% | $4,194+134.8% |
| Participant deferral / active EE | $9,755 | $6,159+58.4% | $5,451+78.9% | $6,396+52.5% |
| Admin fee / account holder | $2,481 | $16,880-85.3% | $14,497-82.9% | $12,562-80.2% |