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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 | $309,490 | $217,432+42.3% | $185,849+66.5% | $167,536+84.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 6.88% | 148.42%-141.5pp | 122.10%-115.2pp | 478.82%-471.9pp |
| Employer contribution / active EE | $24,732 | $5,875+321.0% | $5,169+378.5% | $4,839+411.1% |
| Participant deferral / active EE | $3,125 | $6,357-50.8% | $5,569-43.9% | $6,342-50.7% |
| Admin fee / account holder | $2,548 | $19,818-87.1% | $16,244-84.3% | $12,315-79.3% |