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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 | $251,797 | $165,351+52.3% | $149,710+68.2% | $158,931+58.4% |
| Participation rate | 91.7% | 84.6%+7.1pp | 82.5%+9.2pp | 82.0%+9.7pp |
| Annual return | 5.32% | 348.19%-342.9pp | 276.63%-271.3pp | 302.86%-297.5pp |
| Employer contribution / active EE | $2,088 | $5,103-59.1% | $4,645-55.0% | $4,761-56.1% |
| Participant deferral / active EE | $8,665 | $7,181+20.7% | $6,842+26.6% | $5,982+44.8% |
| Admin fee / account holder | $12,260 | $10,807+13.4% | $9,309+31.7% | $11,247+9.0% |