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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 | $282,751 | $174,379+62.1% | $152,093+85.9% | $138,895+103.6% |
| Participation rate | 78.9% | 81.6%-2.7pp | 77.8%+1.2pp | 79.9%-1.0pp |
| Annual return | 10.95% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.4pp |
| Employer contribution / active EE | $4,407 | $4,652-5.3% | $4,175+5.6% | $4,194+5.1% |
| Participant deferral / active EE | $9,908 | $6,159+60.9% | $5,451+81.8% | $6,396+54.9% |
| Admin fee / account holder | $2,118 | $16,880-87.5% | $14,497-85.4% | $12,562-83.1% |