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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 | $293,454 | $180,749+62.4% | $160,784+82.5% | $137,256+113.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 7.02% | 2234.46%-2227.4pp | 1803.92%-1796.9pp | 220.34%-213.3pp |
| Employer contribution / active EE | $5,000 | $4,155+20.3% | $3,733+33.9% | $4,156+20.3% |
| Participant deferral / active EE | $5,700 | $6,844-16.7% | $6,293-9.4% | $6,407-11.0% |
| Admin fee / account holder | $835 | $10,397-92.0% | $9,717-91.4% | $12,270-93.2% |