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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 | $469,305 | $127,790+267.2% | $106,554+340.4% | $167,553+180.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 7.13% | 33.88%-26.7pp | 26.80%-19.7pp | 478.89%-471.8pp |
| Employer contribution / active EE | $2,542 | $3,427-25.8% | $2,819-9.8% | $4,840-47.5% |
| Participant deferral / active EE | $4,405 | $5,088-13.4% | $4,398+0.2% | $6,343-30.5% |
| Admin fee / account holder | $7,915 | $11,231-29.5% | $7,408+6.8% | $12,316-35.7% |