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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 | $572,201 | $185,312+208.8% | $161,489+254.3% | $154,746+269.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 8.12% | 103.84%-95.7pp | 89.72%-81.6pp | 172.34%-164.2pp |
| Employer contribution / active EE | $1,257 | $4,769-73.6% | $4,268-70.6% | $4,379-71.3% |
| Participant deferral / active EE | $5,807 | $6,350-8.5% | $5,630+3.2% | $6,730-13.7% |
| Admin fee / account holder | $26,037 | $18,654+39.6% | $16,006+62.7% | $14,365+81.2% |