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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 | $295,433 | $176,786+67.1% | $146,643+101.5% | $167,536+76.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 6.41% | 24.04%-17.6pp | 22.75%-16.3pp | 478.82%-472.4pp |
| Employer contribution / active EE | $8,095 | $5,161+56.9% | $4,137+95.7% | $4,839+67.3% |
| Participant deferral / active EE | $10,120 | $6,440+57.1% | $5,506+83.8% | $6,342+59.6% |
| Admin fee / account holder | $793 | $13,262-94.0% | $10,280-92.3% | $12,315-93.6% |