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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 | $387,155 | $184,014+110.4% | $161,149+140.2% | $138,895+178.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 9.37% | 21.52%-12.2pp | 21.16%-11.8pp | 145.39%-136.0pp |
| Employer contribution / active EE | $6,285 | $5,055+24.3% | $4,360+44.1% | $4,194+49.8% |
| Participant deferral / active EE | $2,625 | $6,909-62.0% | $6,153-57.3% | $6,396-59.0% |
| Admin fee / account holder | $3,344 | $18,027-81.4% | $15,194-78.0% | $12,562-73.4% |