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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 | $102,609+211.1% | $98,090+225.4% | $138,895+129.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 12.35% | 36.44%-24.1pp | 37.05%-24.7pp | 145.39%-133.0pp |
| Employer contribution / active EE | $6,644 | $3,867+71.8% | $3,606+84.2% | $4,194+58.4% |
| Participant deferral / active EE | $20,678 | $8,167+153.2% | $7,845+163.6% | $6,396+223.3% |
| Admin fee / account holder | $3,050 | $11,434-73.3% | $11,815-74.2% | $12,562-75.7% |