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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 | $297,436 | $181,896+63.5% | $156,551+90.0% | $273,972+8.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | -0.65% | 30.74%-31.4pp | 32.23%-32.9pp | 41.46%-42.1pp |
| Employer contribution / active EE | $17,467 | $6,248+179.6% | $5,501+217.5% | $4,869+258.8% |
| Participant deferral / active EE | $10,917 | $5,550+96.7% | $4,871+124.1% | $5,287+106.5% |
| Admin fee / account holder | $75,730 | $15,560+386.7% | $13,028+481.3% | $10,133+647.4% |