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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 | $255,071 | $176,794+44.3% | $146,647+73.9% | $167,553+52.2% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 6.22% | 24.04%-17.8pp | 22.75%-16.5pp | 478.89%-472.7pp |
| Employer contribution / active EE | $10,298 | $5,161+99.5% | $4,137+148.9% | $4,840+112.8% |
| Participant deferral / active EE | $8,617 | $6,440+33.8% | $5,506+56.5% | $6,343+35.9% |
| Admin fee / account holder | $432 | $13,262-96.7% | $10,281-95.8% | $12,316-96.5% |