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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 | $265,301 | $101,063+162.5% | $81,473+225.6% | $147,586+79.8% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 6.21% | 32.41%-26.2pp | 38.78%-32.6pp | 578.59%-572.4pp |
| Employer contribution / active EE | $2,853 | $3,206-11.0% | $2,568+11.1% | $4,876-41.5% |
| Participant deferral / active EE | $3,954 | $4,242-6.8% | $3,537+11.8% | $5,439-27.3% |
| Admin fee / account holder | $2,951 | $5,812-49.2% | $4,561-35.3% | $10,886-72.9% |