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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 | $893,620 | $141,001+533.8% | $112,228+696.3% | $139,487+540.6% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.53% | 32.75%-25.2pp | 30.23%-22.7pp | 373.84%-366.3pp |
| Employer contribution / active EE | $21,365 | $4,285+398.6% | $3,432+522.6% | $4,755+349.3% |
| Participant deferral / active EE | $15,000 | $5,877+155.2% | $4,800+212.5% | $6,713+123.5% |
| Admin fee / account holder | $588 | $9,959-94.1% | $7,752-92.4% | $11,407-94.8% |