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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 | $387,827 | $148,629+160.9% | $135,982+185.2% | $139,487+178.0% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.50% | 79.33%-70.8pp | 68.32%-59.8pp | 373.84%-365.3pp |
| Employer contribution / active EE | $19,740 | $5,247+276.2% | $4,859+306.2% | $4,755+315.2% |
| Participant deferral / active EE | $8,367 | $8,102+3.3% | $7,760+7.8% | $6,713+24.6% |
| Admin fee / account holder | $3,528 | $12,406-71.6% | $10,767-67.2% | $11,407-69.1% |