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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 | $329,111 | $112,935+191.4% | $90,970+261.8% | $158,966+107.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 2.59% | 215.79%-213.2pp | 134.58%-132.0pp | 302.95%-300.4pp |
| Employer contribution / active EE | $13,779 | $2,895+376.1% | $2,122+549.2% | $4,762+189.3% |
| Participant deferral / active EE | $8,806 | $4,129+113.3% | $3,373+161.1% | $5,983+47.2% |
| Admin fee / account holder | $671 | $8,045-91.7% | $5,960-88.7% | $11,250-94.0% |