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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 | $1,047,906 | $135,956+670.8% | $123,894+745.8% | $273,972+282.5% |
| Participation rate | 71.4% | 84.1%-12.6pp | 81.4%-10.0pp | 83.0%-11.6pp |
| Annual return | 0.43% | 56.63%-56.2pp | 47.52%-47.1pp | 41.46%-41.0pp |
| Employer contribution / active EE | $11,563 | $5,170+123.7% | $4,617+150.5% | $4,869+137.5% |
| Participant deferral / active EE | $10,786 | $6,343+70.0% | $5,984+80.2% | $5,287+104.0% |
| Admin fee / account holder | $6,170 | $9,817-37.2% | $8,357-26.2% | $10,133-39.1% |