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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 | $324,899 | $198,457+63.7% | $170,435+90.6% | $147,586+120.1% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 8.87% | 257.30%-248.4pp | 205.94%-197.1pp | 578.59%-569.7pp |
| Employer contribution / active EE | $12,957 | $6,183+109.5% | $5,432+138.5% | $4,876+165.7% |
| Participant deferral / active EE | $11,018 | $5,629+95.7% | $4,939+123.1% | $5,439+102.6% |
| Admin fee / account holder | $8,083 | $16,852-52.0% | $13,881-41.8% | $10,886-25.7% |