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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 | $180,749+67.2% | $160,784+87.9% | $137,256+120.2% |
| Participation rate | 87.0% | 80.0%+7.0pp | 77.0%+10.0pp | 80.0%+7.0pp |
| Annual return | 9.96% | 2234.46%-2224.5pp | 1803.92%-1794.0pp | 220.34%-210.4pp |
| Employer contribution / active EE | $4,320 | $4,155+4.0% | $3,733+15.7% | $4,156+3.9% |
| Participant deferral / active EE | $3,009 | $6,844-56.0% | $6,293-52.2% | $6,407-53.0% |
| Admin fee / account holder | $8,679 | $10,397-16.5% | $9,717-10.7% | $12,270-29.3% |