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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 | $514,227 | $154,228+233.4% | $145,433+253.6% | $137,256+274.6% |
| Participation rate | 90.9% | 83.8%+7.1pp | 82.1%+8.8pp | 80.0%+10.9pp |
| Annual return | 10.72% | 74.59%-63.9pp | 66.58%-55.9pp | 220.34%-209.6pp |
| Employer contribution / active EE | $14,809 | $4,804+208.3% | $4,554+225.1% | $4,156+256.3% |
| Participant deferral / active EE | $11,074 | $8,216+34.8% | $7,897+40.2% | $6,407+72.8% |
| Admin fee / account holder | $6,389 | $14,344-55.5% | $13,129-51.3% | $12,270-47.9% |