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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 | $251,204 | $154,228+62.9% | $145,433+72.7% | $137,256+83.0% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 10.81% | 74.59%-63.8pp | 66.58%-55.8pp | 220.34%-209.5pp |
| Employer contribution / active EE | $4,637 | $4,804-3.5% | $4,554+1.8% | $4,156+11.6% |
| Participant deferral / active EE | $9,995 | $8,216+21.7% | $7,897+26.6% | $6,407+56.0% |
| Admin fee / account holder | $19,015 | $14,344+32.6% | $13,129+44.8% | $12,270+55.0% |