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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 | $287,961 | $183,516+56.9% | $155,534+85.1% | $145,884+97.4% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 3.22% | 61.43%-58.2pp | 64.92%-61.7pp | 551.85%-548.6pp |
| Employer contribution / active EE | $10,709 | $5,315+101.5% | $4,675+129.1% | $4,662+129.7% |
| Participant deferral / active EE | $1,987 | $6,467-69.3% | $5,630-64.7% | $6,690-70.3% |
| Admin fee / account holder | $13,460 | $19,293-30.2% | $15,900-15.3% | $13,392+0.5% |