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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 | $395,390 | $111,785+253.7% | $93,669+322.1% | $145,877+171.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 5.59% | 203.79%-198.2pp | 133.59%-128.0pp | 551.28%-545.7pp |
| Employer contribution / active EE | $13,290 | $3,096+329.3% | $2,424+448.4% | $4,663+185.0% |
| Participant deferral / active EE | $6,100 | $4,919+24.0% | $4,416+38.1% | $6,691-8.8% |
| Admin fee / account holder | $14,387 | $10,256+40.3% | $8,291+73.5% | $13,402+7.3% |