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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 | $527,462 | $104,937+402.6% | $84,628+523.3% | $152,897+245.0% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 7.06% | 373.88%-366.8pp | 258.80%-251.7pp | 345.43%-338.4pp |
| Employer contribution / active EE | $12,779 | $3,303+286.9% | $2,653+381.7% | $4,764+168.3% |
| Participant deferral / active EE | $13,428 | $4,690+186.3% | $3,900+244.3% | $5,851+129.5% |
| Admin fee / account holder | $6,418 | $6,243+2.8% | $4,914+30.6% | $11,599-44.7% |