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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 | $372,037 | $88,702+319.4% | $81,780+354.9% | $145,978+154.9% |
| Participation rate | 94.4% | 75.0%+19.4pp | 72.4%+22.1pp | 80.3%+14.2pp |
| Annual return | 8.82% | 1029.12%-1020.3pp | 776.27%-767.4pp | 550.52%-541.7pp |
| Employer contribution / active EE | $5,319 | $3,084+72.4% | $2,914+82.5% | $4,662+14.1% |
| Participant deferral / active EE | $12,302 | $4,645+164.8% | $4,321+184.7% | $6,690+83.9% |
| Admin fee / account holder | $21,470 | $8,414+155.2% | $7,384+190.8% | $13,400+60.2% |