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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 | $372,598 | $106,008+251.5% | $92,240+303.9% | $147,586+152.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 6.73% | 50.05%-43.3pp | 176.29%-169.6pp | 578.59%-571.9pp |
| Employer contribution / active EE | $4,864 | $4,333+12.2% | $3,680+32.2% | $4,876-0.3% |
| Participant deferral / active EE | $11,850 | $4,478+164.6% | $3,897+204.1% | $5,439+117.9% |
| Admin fee / account holder | $7,957 | $6,333+25.6% | $5,194+53.2% | $10,886-26.9% |