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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 | $884,701 | $176,786+400.4% | $146,643+503.3% | $167,536+428.1% |
| Participation rate | 75.0% | 83.6%-8.6pp | 80.1%-5.1pp | 82.1%-7.1pp |
| Annual return | 7.91% | 24.04%-16.1pp | 22.75%-14.8pp | 478.82%-470.9pp |
| Employer contribution / active EE | $2,100 | $5,161-59.3% | $4,137-49.2% | $4,839-56.6% |
| Participant deferral / active EE | $13,000 | $6,440+101.9% | $5,506+136.1% | $6,342+105.0% |
| Admin fee / account holder | $5,644 | $13,262-57.4% | $10,280-45.1% | $12,315-54.2% |