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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 | $281,114 | $111,535+152.0% | $105,223+167.2% | $137,256+104.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 6.44% | 237.85%-231.4pp | 180.65%-174.2pp | 220.34%-213.9pp |
| Employer contribution / active EE | $4,875 | $3,939+23.7% | $3,689+32.2% | $4,156+17.3% |
| Participant deferral / active EE | $14,365 | $5,500+161.2% | $5,072+183.2% | $6,407+124.2% |
| Admin fee / account holder | $1,063 | $9,721-89.1% | $8,859-88.0% | $12,270-91.3% |