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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 | $401,067 | $108,942+268.1% | $100,415+299.4% | $145,897+174.9% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 8.05% | 58.27%-50.2pp | 49.47%-41.4pp | 552.29%-544.2pp |
| Employer contribution / active EE | $46,312 | $4,422+947.3% | $3,943+1074.6% | $4,663+893.3% |
| Participant deferral / active EE | $20,348 | $8,461+140.5% | $8,091+151.5% | $6,689+204.2% |
| Admin fee / account holder | $23,686 | $9,702+144.1% | $7,906+199.6% | $13,390+76.9% |