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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 | $1,982,106 | $108,912+1719.9% | $100,383+1874.5% | $145,959+1258.0% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 6.42% | 57.96%-51.5pp | 49.26%-42.8pp | 561.95%-555.5pp |
| Employer contribution / active EE | $47,120 | $4,423+965.4% | $3,944+1094.8% | $4,661+911.0% |
| Participant deferral / active EE | $30,500 | $8,451+260.9% | $8,086+277.2% | $6,689+356.0% |
| Admin fee / account holder | $26,681 | $9,690+175.3% | $7,900+237.7% | $13,398+99.1% |