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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 | $337,053 | $175,231+92.3% | $149,696+125.2% | $139,466+141.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.29% | 166.77%-156.5pp | 134.46%-124.2pp | 373.66%-363.4pp |
| Employer contribution / active EE | $14,050 | $5,478+156.5% | $4,821+191.4% | $4,754+195.5% |
| Participant deferral / active EE | $7,361 | $6,521+12.9% | $5,682+29.5% | $6,712+9.7% |
| Admin fee / account holder | $1,148 | $16,155-92.9% | $13,212-91.3% | $11,409-89.9% |