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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 | $444,619 | $197,637+125.0% | $177,848+150.0% | $158,982+179.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 1.76% | 58.77%-57.0pp | 48.33%-46.6pp | 302.99%-301.2pp |
| Employer contribution / active EE | $5,255 | $6,698-21.5% | $5,919-11.2% | $4,763+10.3% |
| Participant deferral / active EE | $8,633 | $8,405+2.7% | $7,714+11.9% | $5,983+44.3% |
| Admin fee / account holder | $14,053 | $15,406-8.8% | $12,431+13.0% | $11,252+24.9% |