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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 | $302,174 | $182,442+65.6% | $163,379+85.0% | $138,895+117.6% |
| Participation rate | 87.0% | 79.8%+7.2pp | 76.8%+10.1pp | 79.9%+7.0pp |
| Annual return | 9.96% | 72.74%-62.8pp | 63.41%-53.4pp | 145.39%-135.4pp |
| Employer contribution / active EE | $4,320 | $4,159+3.9% | $3,752+15.1% | $4,194+3.0% |
| Participant deferral / active EE | $3,009 | $6,817-55.9% | $6,282-52.1% | $6,396-53.0% |
| Admin fee / account holder | $8,679 | $10,396-16.5% | $9,818-11.6% | $12,562-30.9% |