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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 | $261,332 | $175,231+49.1% | $149,696+74.6% | $139,466+87.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 5.64% | 166.77%-161.1pp | 134.46%-128.8pp | 373.66%-368.0pp |
| Employer contribution / active EE | $15,647 | $5,478+185.6% | $4,821+224.6% | $4,754+229.1% |
| Participant deferral / active EE | $28,364 | $6,521+334.9% | $5,682+399.2% | $6,712+322.6% |
| Admin fee / account holder | $2,134 | $16,155-86.8% | $13,212-83.8% | $11,409-81.3% |