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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 | $265,753 | $105,158+152.7% | $94,672+180.7% | $139,487+90.5% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 11.26% | 38.11%-26.8pp | 156.89%-145.6pp | 373.84%-362.6pp |
| Employer contribution / active EE | $12,610 | $4,107+207.0% | $3,673+243.3% | $4,755+165.2% |
| Participant deferral / active EE | $12,773 | $7,599+68.1% | $7,417+72.2% | $6,713+90.3% |
| Admin fee / account holder | $22,598 | $8,972+151.9% | $7,222+212.9% | $11,407+98.1% |