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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 | $319,180 | $100,970+216.1% | $96,576+230.5% | $137,256+132.5% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 12.35% | 38.16%-25.8pp | 38.47%-26.1pp | 220.34%-208.0pp |
| Employer contribution / active EE | $6,644 | $3,809+74.4% | $3,553+87.0% | $4,156+59.9% |
| Participant deferral / active EE | $20,678 | $8,286+149.5% | $7,956+159.9% | $6,407+222.7% |
| Admin fee / account holder | $3,050 | $11,312-73.0% | $11,381-73.2% | $12,270-75.1% |