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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 | $310,308 | $148,629+108.8% | $135,982+128.2% | $139,487+122.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 9.36% | 79.33%-70.0pp | 68.32%-59.0pp | 373.84%-364.5pp |
| Employer contribution / active EE | $17,999 | $5,247+243.1% | $4,859+270.4% | $4,755+278.6% |
| Participant deferral / active EE | $13,686 | $8,102+68.9% | $7,760+76.4% | $6,713+103.9% |
| Admin fee / account holder | $2,601 | $12,406-79.0% | $10,767-75.8% | $11,407-77.2% |