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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 | $368,154 | $148,623+147.7% | $135,974+170.8% | $139,466+164.0% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.29% | 79.30%-71.0pp | 68.30%-60.0pp | 373.66%-365.4pp |
| Employer contribution / active EE | $3,075 | $5,246-41.4% | $4,859-36.7% | $4,754-35.3% |
| Participant deferral / active EE | $13,495 | $8,103+66.6% | $7,760+73.9% | $6,712+101.1% |
| Admin fee / account holder | $42,745 | $12,406+244.6% | $10,767+297.0% | $11,409+274.7% |