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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 | $352,463 | $217,432+62.1% | $185,851+89.6% | $167,553+110.4% |
| Participation rate | 70.0% | 86.1%-16.1pp | 81.7%-11.7pp | 82.1%-12.1pp |
| Annual return | 8.13% | 148.43%-140.3pp | 122.11%-114.0pp | 478.89%-470.8pp |
| Employer contribution / active EE | $3,441 | $5,874-41.4% | $5,168-33.4% | $4,840-28.9% |
| Participant deferral / active EE | $7,096 | $6,357+11.6% | $5,569+27.4% | $6,343+11.9% |
| Admin fee / account holder | $2,431 | $19,820-87.7% | $16,245-85.0% | $12,316-80.3% |