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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 | $363,646 | $118,875+205.9% | $96,572+276.6% | $167,553+117.0% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 8.07% | 50.50%-42.4pp | 37.79%-29.7pp | 478.89%-470.8pp |
| Employer contribution / active EE | $13,510 | $3,121+332.9% | $2,357+473.1% | $4,840+179.1% |
| Participant deferral / active EE | $11,208 | $4,617+142.8% | $3,850+191.2% | $6,343+76.7% |
| Admin fee / account holder | $947 | $8,070-88.3% | $6,183-84.7% | $12,316-92.3% |