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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 | $1,089,557 | $226,105+381.9% | $182,540+496.9% | $152,897+612.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 4.01% | 192.58%-188.6pp | 148.58%-144.6pp | 345.43%-341.4pp |
| Employer contribution / active EE | $9,860 | $4,978+98.1% | $4,076+141.9% | $4,764+107.0% |
| Participant deferral / active EE | $12,800 | $6,370+101.0% | $5,525+131.7% | $5,851+118.8% |
| Admin fee / account holder | $28,456 | $10,706+165.8% | $8,593+231.1% | $11,599+145.3% |