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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 | $623,120 | $183,539+239.5% | $155,556+300.6% | $145,897+327.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.73% | 61.31%-52.6pp | 64.84%-56.1pp | 552.29%-543.6pp |
| Employer contribution / active EE | $13,693 | $5,315+157.6% | $4,675+192.9% | $4,663+193.7% |
| Participant deferral / active EE | $15,480 | $6,467+139.4% | $5,631+174.9% | $6,689+131.4% |
| Admin fee / account holder | $6,003 | $19,275-68.9% | $15,885-62.2% | $13,390-55.2% |