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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 | $289,409 | $77,638+272.8% | $156,551+84.9% | $62,881+360.2% |
| Participation rate | 95.5% | 71.2%+24.3pp | 84.0%+11.4pp | 69.3%+26.1pp |
| Annual return | 2.30% | 50.33%-48.0pp | 32.23%-29.9pp | 20.14%-17.8pp |
| Employer contribution / active EE | $17,169 | $3,444+398.5% | $5,501+212.1% | $2,281+652.7% |
| Participant deferral / active EE | $10,246 | $3,046+236.4% | $4,871+110.3% | $3,203+219.9% |
| Admin fee / account holder | $46,976 | $5,561+744.7% | $13,028+260.6% | $4,296+993.6% |