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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 | $386,855 | $157,304+145.9% | $141,197+174.0% | $152,909+153.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 11.04% | 64.34%-53.3pp | 71.41%-60.4pp | 345.46%-334.4pp |
| Employer contribution / active EE | $26,612 | $5,263+405.7% | $4,736+461.9% | $4,764+458.6% |
| Participant deferral / active EE | $12,477 | $7,111+75.5% | $6,710+85.9% | $5,851+113.2% |
| Admin fee / account holder | $19,626 | $12,126+61.9% | $10,265+91.2% | $11,601+69.2% |