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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 | $337,645 | $197,637+70.8% | $177,848+89.9% | $158,982+112.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 2.14% | 58.77%-56.6pp | 48.33%-46.2pp | 302.99%-300.8pp |
| Employer contribution / active EE | $42,691 | $6,698+537.3% | $5,919+621.3% | $4,763+796.3% |
| Participant deferral / active EE | $14,007 | $8,405+66.7% | $7,714+81.6% | $5,983+134.1% |
| Admin fee / account holder | $2,133 | $15,406-86.2% | $12,431-82.8% | $11,252-81.0% |