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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 | $1,300,525 | $185,312+601.8% | $161,489+705.3% | $154,746+740.4% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 8.65% | 103.84%-95.2pp | 89.72%-81.1pp | 172.34%-163.7pp |
| Employer contribution / active EE | $27,255 | $4,769+471.5% | $4,268+538.5% | $4,379+522.4% |
| Participant deferral / active EE | $21,365 | $6,350+236.5% | $5,630+279.5% | $6,730+217.4% |
| Admin fee / account holder | $8,071 | $18,654-56.7% | $16,006-49.6% | $14,365-43.8% |