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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 | $294,182 | $135,956+116.4% | $123,894+137.4% | $273,972+7.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 2.94% | 56.63%-53.7pp | 47.52%-44.6pp | 41.46%-38.5pp |
| Employer contribution / active EE | $5,933 | $5,170+14.8% | $4,617+28.5% | $4,869+21.9% |
| Participant deferral / active EE | $10,568 | $6,343+66.6% | $5,984+76.6% | $5,287+99.9% |
| Admin fee / account holder | $1,177 | $9,817-88.0% | $8,357-85.9% | $10,133-88.4% |