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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 | $475,596 | $165,381+187.6% | $149,730+217.6% | $158,966+199.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 4.38% | 348.29%-343.9pp | 276.70%-272.3pp | 302.95%-298.6pp |
| Employer contribution / active EE | $2,610 | $5,104-48.9% | $4,645-43.8% | $4,762-45.2% |
| Participant deferral / active EE | $14,795 | $7,182+106.0% | $6,843+116.2% | $5,983+147.3% |
| Admin fee / account holder | $4,198 | $10,809-61.2% | $9,310-54.9% | $11,250-62.7% |