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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 | $398,577 | $72,071+453.0% | $68,368+483.0% | $137,256+190.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 7.85% | 353.14%-345.3pp | 292.57%-284.7pp | 220.34%-212.5pp |
| Employer contribution / active EE | $12,209 | $2,788+337.9% | $2,649+360.9% | $4,156+193.8% |
| Participant deferral / active EE | $21,940 | $4,410+397.5% | $4,123+432.2% | $6,407+242.5% |
| Admin fee / account holder | $2,805 | $5,336-47.4% | $5,150-45.5% | $12,270-77.1% |