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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 | $277,054 | $166,020+66.9% | $164,866+68.0% | $145,959+89.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 5.61% | 100.08%-94.5pp | 69.97%-64.4pp | 561.95%-556.3pp |
| Employer contribution / active EE | $7,006 | $5,275+32.8% | $4,343+61.3% | $4,661+50.3% |
| Participant deferral / active EE | $14,383 | $6,961+106.6% | $6,033+138.4% | $6,689+115.0% |
| Admin fee / account holder | $1,861 | $16,644-88.8% | $12,689-85.3% | $13,398-86.1% |