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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 | $389,644 | $107,666+261.9% | $102,184+281.3% | $154,746+151.8% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 11.11% | 29.33%-18.2pp | 31.58%-20.5pp | 172.34%-161.2pp |
| Employer contribution / active EE | $10,065 | $3,846+161.7% | $3,594+180.1% | $4,379+129.9% |
| Participant deferral / active EE | $10,185 | $8,719+16.8% | $8,309+22.6% | $6,730+51.3% |
| Admin fee / account holder | $2,267 | $12,943-82.5% | $11,609-80.5% | $14,365-84.2% |