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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 | $904,094 | $192,829+368.9% | $142,516+534.4% | $139,466+548.3% |
| Participation rate | 85.7% | 81.4%+4.3pp | 76.8%+8.9pp | 80.3%+5.4pp |
| Annual return | 7.82% | 17.99%-10.2pp | 19.99%-12.2pp | 373.66%-365.8pp |
| Employer contribution / active EE | $22,349 | $5,808+284.8% | $4,849+360.9% | $4,754+370.1% |
| Participant deferral / active EE | $12,170 | $7,200+69.0% | $6,280+93.8% | $6,712+81.3% |
| Admin fee / account holder | $1,664 | $15,120-89.0% | $10,008-83.4% | $11,409-85.4% |