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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 | $369,629 | $178,174+107.5% | $156,181+136.7% | $137,256+169.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 8.35% | 84.19%-75.8pp | 64.87%-56.5pp | 220.34%-212.0pp |
| Employer contribution / active EE | $19,240 | $4,972+287.0% | $4,294+348.1% | $4,156+363.0% |
| Participant deferral / active EE | $10,473 | $6,888+52.1% | $6,132+70.8% | $6,407+63.5% |
| Admin fee / account holder | $5,214 | $17,404-70.0% | $14,586-64.3% | $12,270-57.5% |