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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 | $267,256 | $183,539+45.6% | $155,556+71.8% | $145,897+83.2% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 3.57% | 61.31%-57.7pp | 64.84%-61.3pp | 552.29%-548.7pp |
| Employer contribution / active EE | $14,443 | $5,315+171.7% | $4,675+208.9% | $4,663+209.8% |
| Participant deferral / active EE | $12,434 | $6,467+92.3% | $5,631+120.8% | $6,689+85.9% |
| Admin fee / account holder | $566 | $19,275-97.1% | $15,885-96.4% | $13,390-95.8% |