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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 | $1,037,782 | $153,769+574.9% | $133,975+674.6% | $273,972+278.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 1.97% | 36.51%-34.5pp | 29.29%-27.3pp | 41.46%-39.5pp |
| Employer contribution / active EE | $28,950 | $6,029+380.2% | $5,211+455.5% | $4,869+494.6% |
| Participant deferral / active EE | $8,150 | $6,958+17.1% | $6,282+29.7% | $5,287+54.1% |
| Admin fee / account holder | $11,369 | $11,765-3.4% | $9,324+21.9% | $10,133+12.2% |