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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 | $387,891 | $182,442+112.6% | $163,379+137.4% | $138,895+179.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 3.29% | 72.74%-69.4pp | 63.41%-60.1pp | 145.39%-142.1pp |
| Employer contribution / active EE | $26,018 | $4,159+525.5% | $3,752+593.4% | $4,194+520.3% |
| Participant deferral / active EE | $15,500 | $6,817+127.4% | $6,282+146.8% | $6,396+142.3% |
| Admin fee / account holder | $1,645 | $10,396-84.2% | $9,818-83.2% | $12,562-86.9% |