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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 | $1,004,065 | $114,119+779.8% | $107,187+836.7% | $138,895+622.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 11.12% | 273.21%-262.1pp | 204.55%-193.4pp | 145.39%-134.3pp |
| Employer contribution / active EE | $16,838 | $4,059+314.9% | $3,782+345.2% | $4,194+301.5% |
| Participant deferral / active EE | $16,560 | $5,538+199.0% | $5,096+225.0% | $6,396+158.9% |
| Admin fee / account holder | $7,108 | $10,024-29.1% | $9,162-22.4% | $12,562-43.4% |