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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 | $412,165 | $165,399+149.2% | $149,745+175.2% | $158,982+159.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.42% | 348.34%-340.9pp | 276.72%-269.3pp | 302.99%-295.6pp |
| Employer contribution / active EE | $11,491 | $5,105+125.1% | $4,646+147.3% | $4,763+141.3% |
| Participant deferral / active EE | $15,802 | $7,183+120.0% | $6,843+130.9% | $5,983+164.1% |
| Admin fee / account holder | $670 | $10,811-93.8% | $9,312-92.8% | $11,252-94.0% |