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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 | $464,800 | $154,228+201.4% | $145,433+219.6% | $137,256+238.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 8.84% | 74.59%-65.7pp | 66.58%-57.7pp | 220.34%-211.5pp |
| Employer contribution / active EE | $5,683 | $4,804+18.3% | $4,554+24.8% | $4,156+36.7% |
| Participant deferral / active EE | $3,179 | $8,216-61.3% | $7,897-59.8% | $6,407-50.4% |
| Admin fee / account holder | $50,002 | $14,344+248.6% | $13,129+280.8% | $12,270+307.5% |