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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 | $283,580 | $72,071+293.5% | $68,368+314.8% | $137,256+106.6% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.8%+16.2pp | 80.0%+10.0pp |
| Annual return | 12.14% | 353.14%-341.0pp | 292.57%-280.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $16,112 | $2,788+477.9% | $2,649+508.2% | $4,156+287.7% |
| Participant deferral / active EE | $9,431 | $4,410+113.9% | $4,123+128.8% | $6,407+47.2% |
| Admin fee / account holder | $6,069 | $5,336+13.8% | $5,150+17.9% | $12,270-50.5% |