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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 | $160,028+110.8% | $147,080+129.4% | $145,884+131.3% |
| Participation rate | 81.8% | 84.0%-2.2pp | 82.2%-0.4pp | 80.3%+1.5pp |
| Annual return | 7.73% | 98.60%-90.9pp | 420.17%-412.4pp | 551.85%-544.1pp |
| Employer contribution / active EE | $3,568 | $5,286-32.5% | $4,933-27.7% | $4,662-23.5% |
| Participant deferral / active EE | $12,287 | $8,422+45.9% | $8,066+52.3% | $6,690+83.7% |
| Admin fee / account holder | $5,204 | $15,030-65.4% | $12,989-59.9% | $13,392-61.1% |