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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 | $156,398+221.8% | $147,318+241.6% | $138,895+262.3% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 11.55% | 78.75%-67.2pp | 70.43%-58.9pp | 145.39%-133.8pp |
| Employer contribution / active EE | $4,067 | $4,853-16.2% | $4,593-11.4% | $4,194-3.0% |
| Participant deferral / active EE | $14,088 | $8,237+71.0% | $7,906+78.2% | $6,396+120.3% |
| Admin fee / account holder | $9,251 | $14,976-38.2% | $13,708-32.5% | $12,562-26.4% |