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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 | $376,342 | $157,276+139.3% | $141,177+166.6% | $152,885+146.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 12.82% | 64.33%-51.5pp | 71.40%-58.6pp | 345.39%-332.6pp |
| Employer contribution / active EE | $19,637 | $5,262+273.2% | $4,736+314.7% | $4,763+312.3% |
| Participant deferral / active EE | $15,112 | $7,110+112.5% | $6,710+125.2% | $5,851+158.3% |
| Admin fee / account holder | $494 | $12,123-95.9% | $10,263-95.2% | $11,598-95.7% |