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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 | $279,070 | $165,399+68.7% | $149,745+86.4% | $158,982+75.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 2.32% | 348.34%-346.0pp | 276.72%-274.4pp | 302.99%-300.7pp |
| Employer contribution / active EE | $8,908 | $5,105+74.5% | $4,646+91.8% | $4,763+87.0% |
| Participant deferral / active EE | $24,802 | $7,183+245.3% | $6,843+262.4% | $5,983+314.5% |
| Admin fee / account holder | $94,710 | $10,811+776.0% | $9,312+917.1% | $11,252+741.8% |