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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 | $100,970+165.2% | $96,576+177.3% | $137,256+95.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 11.47% | 38.16%-26.7pp | 38.47%-27.0pp | 220.34%-208.9pp |
| Employer contribution / active EE | $22,641 | $3,809+494.4% | $3,553+537.2% | $4,156+444.8% |
| Participant deferral / active EE | $18,167 | $8,286+119.2% | $7,956+128.3% | $6,407+183.6% |
| Admin fee / account holder | $57,610 | $11,312+409.3% | $11,381+406.2% | $12,270+369.5% |