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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 | $314,854 | $154,209+104.2% | $130,062+142.1% | $139,487+125.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 7.87% | 32.52%-24.7pp | -137.37%+145.2pp | 373.84%-366.0pp |
| Employer contribution / active EE | $10,380 | $5,292+96.1% | $4,322+140.2% | $4,755+118.3% |
| Participant deferral / active EE | $9,759 | $6,709+45.5% | $5,821+67.7% | $6,713+45.4% |
| Admin fee / account holder | $5,175 | $13,988-63.0% | $10,601-51.2% | $11,407-54.6% |