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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 | $371,972 | $172,111+116.1% | $150,298+147.5% | $137,256+171.0% |
| Participation rate | 73.7% | 81.7%-8.0pp | 77.8%-4.1pp | 80.0%-6.3pp |
| Annual return | 10.02% | 69.37%-59.4pp | 62.79%-52.8pp | 220.34%-210.3pp |
| Employer contribution / active EE | $6,373 | $4,636+37.5% | $4,154+53.4% | $4,156+53.3% |
| Participant deferral / active EE | $7,427 | $6,166+20.5% | $5,453+36.2% | $6,407+15.9% |
| Admin fee / account holder | $3,297 | $16,471-80.0% | $14,116-76.6% | $12,270-73.1% |