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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 | $342,634 | $166,131+106.2% | $164,975+107.7% | $145,877+134.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 6.36% | 100.37%-94.0pp | 70.12%-63.8pp | 551.28%-544.9pp |
| Employer contribution / active EE | $8,850 | $5,276+67.7% | $4,343+103.8% | $4,663+89.8% |
| Participant deferral / active EE | $9,272 | $6,962+33.2% | $6,033+53.7% | $6,691+38.6% |
| Admin fee / account holder | $5,457 | $16,648-67.2% | $12,688-57.0% | $13,402-59.3% |