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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 | $503,225 | $162,136+210.4% | $152,301+230.4% | $154,746+225.2% |
| Participation rate | 80.0% | 84.1%-4.1pp | 82.4%-2.4pp | 80.7%-0.7pp |
| Annual return | 11.55% | 91.02%-79.5pp | 80.50%-69.0pp | 172.34%-160.8pp |
| Employer contribution / active EE | $4,067 | $4,890-16.8% | $4,624-12.1% | $4,379-7.1% |
| Participant deferral / active EE | $14,088 | $8,341+68.9% | $8,004+76.0% | $6,730+109.3% |
| Admin fee / account holder | $9,251 | $15,759-41.3% | $14,398-35.7% | $14,365-35.6% |