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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 | $267,802 | $107,666+148.7% | $102,184+162.1% | $154,746+73.1% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 11.47% | 29.33%-17.9pp | 31.58%-20.1pp | 172.34%-160.9pp |
| Employer contribution / active EE | $22,641 | $3,846+488.7% | $3,594+530.0% | $4,379+417.0% |
| Participant deferral / active EE | $18,167 | $8,719+108.4% | $8,309+118.6% | $6,730+169.9% |
| Admin fee / account holder | $57,610 | $12,943+345.1% | $11,609+396.3% | $14,365+301.0% |