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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 | $530,072 | $154,193+243.8% | $130,045+307.6% | $139,466+280.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 8.99% | 32.51%-23.5pp | -137.30%+146.3pp | 373.66%-364.7pp |
| Employer contribution / active EE | $11,941 | $5,292+125.7% | $4,321+176.3% | $4,754+151.2% |
| Participant deferral / active EE | $26,250 | $6,709+291.3% | $5,820+351.0% | $6,712+291.1% |
| Admin fee / account holder | $4,569 | $13,989-67.3% | $10,600-56.9% | $11,409-60.0% |