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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 | $293,204 | $157,276+86.4% | $141,177+107.7% | $152,885+91.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 5.94% | 64.33%-58.4pp | 71.40%-65.5pp | 345.39%-339.4pp |
| Employer contribution / active EE | $2,030 | $5,262-61.4% | $4,736-57.1% | $4,763-57.4% |
| Participant deferral / active EE | $10,719 | $7,110+50.8% | $6,710+59.8% | $5,851+83.2% |
| Admin fee / account holder | $8,871 | $12,123-26.8% | $10,263-13.6% | $11,598-23.5% |