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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 | $295,274 | $68,880+328.7% | $120,580+144.9% | $80,959+264.7% |
| Participation rate | 78.8% | 61.7%+17.1pp | 72.0%+6.8pp | 67.7%+11.1pp |
| Annual return | 10.22% | 23.68%-13.5pp | 107.48%-97.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $13,538 | $2,066+555.2% | $3,469+290.2% | $2,757+391.0% |
| Participant deferral / active EE | $8,679 | $3,191+172.0% | $4,995+73.7% | $4,300+101.8% |
| Admin fee / account holder | $38,394 | $5,785+563.7% | $9,418+307.7% | $6,925+454.4% |