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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 | $300,165 | $109,967+173.0% | $97,197+208.8% | $145,877+105.8% |
| Participation rate | 75.0% | 76.0%-1.0pp | 72.7%+2.3pp | 80.3%-5.3pp |
| Annual return | 6.24% | 244.27%-238.0pp | 75.47%-69.2pp | 551.28%-545.0pp |
| Employer contribution / active EE | $39,500 | $3,077+1183.8% | $2,723+1350.7% | $4,663+747.1% |
| Participant deferral / active EE | $0 | $4,676-100.0% | $4,263-100.0% | $6,691-100.0% |
| Admin fee / account holder | $4,527 | $6,199-27.0% | $5,637-19.7% | $13,402-66.2% |