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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 | $314,889 | $226,135+39.2% | $182,558+72.5% | $152,909+105.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 5.09% | 192.60%-187.5pp | 148.59%-143.5pp | 345.46%-340.4pp |
| Employer contribution / active EE | $10,401 | $4,979+108.9% | $4,076+155.2% | $4,764+118.3% |
| Participant deferral / active EE | $6,705 | $6,371+5.3% | $5,526+21.3% | $5,851+14.6% |
| Admin fee / account holder | $6,177 | $10,707-42.3% | $8,594-28.1% | $11,601-46.8% |