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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 | $1,307,321 | $227,566+474.5% | $189,558+589.7% | $167,518+680.4% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.5%+21.5pp | 82.1%+17.9pp |
| Annual return | 7.16% | 78.43%-71.3pp | 64.19%-57.0pp | 478.71%-471.6pp |
| Employer contribution / active EE | $10,300 | $5,316+93.8% | $4,412+133.5% | $4,838+112.9% |
| Participant deferral / active EE | $15,050 | $7,002+114.9% | $6,174+143.8% | $6,342+137.3% |
| Admin fee / account holder | $36,181 | $11,881+204.5% | $9,809+268.9% | $12,312+193.9% |