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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 | $409,106 | $210,698+94.2% | $178,014+129.8% | $145,959+180.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 6.67% | 386.27%-379.6pp | 294.80%-288.1pp | 561.95%-555.3pp |
| Employer contribution / active EE | $6,719 | $4,567+47.1% | $3,950+70.1% | $4,661+44.2% |
| Participant deferral / active EE | $20,873 | $6,958+200.0% | $6,276+232.6% | $6,689+212.1% |
| Admin fee / account holder | $2,250 | $12,016-81.3% | $10,362-78.3% | $13,398-83.2% |