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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 | $1,373,415 | $105,158+1206.0% | $94,672+1350.7% | $139,487+884.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 8.93% | 38.11%-29.2pp | 156.89%-148.0pp | 373.84%-364.9pp |
| Employer contribution / active EE | $30,244 | $4,107+636.3% | $3,673+723.4% | $4,755+536.1% |
| Participant deferral / active EE | $21,624 | $7,599+184.6% | $7,417+191.5% | $6,713+222.1% |
| Admin fee / account holder | $3,732 | $8,972-58.4% | $7,222-48.3% | $11,407-67.3% |