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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 | $337,378 | $160,070+110.8% | $147,117+129.3% | $145,897+131.2% |
| Participation rate | 81.8% | 84.0%-2.2pp | 82.2%-0.4pp | 80.3%+1.5pp |
| Annual return | 7.73% | 98.69%-91.0pp | 420.54%-412.8pp | 552.29%-544.6pp |
| Employer contribution / active EE | $3,568 | $5,285-32.5% | $4,932-27.7% | $4,663-23.5% |
| Participant deferral / active EE | $12,287 | $8,419+45.9% | $8,065+52.4% | $6,689+83.7% |
| Admin fee / account holder | $5,204 | $15,035-65.4% | $12,993-59.9% | $13,390-61.1% |