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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 | $174,379+407.0% | $152,093+481.3% | $138,895+536.5% |
| Participation rate | 71.4% | 81.6%-10.2pp | 77.8%-6.3pp | 79.9%-8.5pp |
| Annual return | 10.99% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.4pp |
| Employer contribution / active EE | $18,375 | $4,652+295.0% | $4,175+340.2% | $4,194+338.1% |
| Participant deferral / active EE | $10,763 | $6,159+74.7% | $5,451+97.4% | $6,396+68.3% |
| Admin fee / account holder | $22,624 | $16,880+34.0% | $14,497+56.1% | $12,562+80.1% |