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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 | $300,921 | $118,695+153.5% | $98,916+204.2% | $158,950+89.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 76.0%+24.0pp | 82.0%+18.0pp |
| Annual return | 4.41% | 372.39%-368.0pp | 196.45%-192.0pp | 302.91%-298.5pp |
| Employer contribution / active EE | $10,203 | $3,333+206.1% | $2,689+279.4% | $4,762+114.3% |
| Participant deferral / active EE | $6,699 | $5,088+31.7% | $4,245+57.8% | $5,983+12.0% |
| Admin fee / account holder | $869 | $10,132-91.4% | $6,642-86.9% | $11,248-92.3% |