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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 | $884,101 | $172,111+413.7% | $150,298+488.2% | $137,256+544.1% |
| Participation rate | 71.4% | 81.7%-10.3pp | 77.8%-6.3pp | 80.0%-8.5pp |
| Annual return | 10.99% | 69.37%-58.4pp | 62.79%-51.8pp | 220.34%-209.4pp |
| Employer contribution / active EE | $18,375 | $4,636+296.3% | $4,154+342.3% | $4,156+342.1% |
| Participant deferral / active EE | $10,763 | $6,166+74.6% | $5,453+97.4% | $6,407+68.0% |
| Admin fee / account holder | $22,624 | $16,471+37.4% | $14,116+60.3% | $12,270+84.4% |