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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 | $252,286 | $69,444+263.3% | $92,985+171.3% | $87,485+188.4% |
| Participation rate | 71.4% | 63.3%+8.1pp | 69.5%+1.9pp | 68.9%+2.5pp |
| Annual return | 11.25% | 23.85%-12.6pp | 27.99%-16.7pp | 26.06%-14.8pp |
| Employer contribution / active EE | $817 | $1,917-57.4% | $2,662-69.3% | $2,596-68.5% |
| Participant deferral / active EE | $4,941 | $3,364+46.9% | $4,377+12.9% | $4,274+15.6% |
| Admin fee / account holder | $46,336 | $6,137+655.0% | $9,463+389.6% | $7,775+496.0% |