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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 | $332,245 | $175,231+89.6% | $149,696+121.9% | $139,466+138.2% |
| Participation rate | 90.9% | 83.4%+7.5pp | 78.8%+12.1pp | 80.3%+10.6pp |
| Annual return | 8.91% | 166.77%-157.9pp | 134.46%-125.5pp | 373.66%-364.8pp |
| Employer contribution / active EE | $5,597 | $5,478+2.2% | $4,821+16.1% | $4,754+17.7% |
| Participant deferral / active EE | $6,943 | $6,521+6.5% | $5,682+22.2% | $6,712+3.4% |
| Admin fee / account holder | $3,547 | $16,155-78.0% | $13,212-73.2% | $11,409-68.9% |