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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 | $373,396 | $209,422+78.3% | $178,503+109.2% | $158,982+134.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 2.15% | 188.81%-186.7pp | 151.12%-149.0pp | 302.99%-300.8pp |
| Employer contribution / active EE | $8,907 | $5,707+56.1% | $5,011+77.7% | $4,763+87.0% |
| Participant deferral / active EE | $5,425 | $5,955-8.9% | $5,202+4.3% | $5,983-9.3% |
| Admin fee / account holder | $2,619 | $17,079-84.7% | $13,987-81.3% | $11,252-76.7% |