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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 | $108,911+268.3% | $100,392+299.5% | $145,884+174.9% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 8.05% | 58.23%-50.2pp | 49.45%-41.4pp | 551.85%-543.8pp |
| Employer contribution / active EE | $46,312 | $4,420+947.8% | $3,941+1075.0% | $4,662+893.3% |
| Participant deferral / active EE | $20,348 | $8,459+140.6% | $8,090+151.5% | $6,690+204.2% |
| Admin fee / account holder | $23,686 | $9,698+144.2% | $7,904+199.7% | $13,392+76.9% |