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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 | $301,808 | $209,336+44.2% | $197,124+53.1% | $137,256+119.9% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 7.25% | 48.09%-40.8pp | 44.34%-37.1pp | 220.34%-213.1pp |
| Employer contribution / active EE | $11,550 | $6,591+75.3% | $6,227+85.5% | $4,156+177.9% |
| Participant deferral / active EE | $12,549 | $9,614+30.5% | $9,135+37.4% | $6,407+95.9% |
| Admin fee / account holder | $14,127 | $17,308-18.4% | $16,298-13.3% | $12,270+15.1% |