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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 | $478,056 | $157,304+203.9% | $141,197+238.6% | $152,909+212.6% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 6.19% | 64.34%-58.2pp | 71.41%-65.2pp | 345.46%-339.3pp |
| Employer contribution / active EE | $7,532 | $5,263+43.1% | $4,736+59.0% | $4,764+58.1% |
| Participant deferral / active EE | $7,443 | $7,111+4.7% | $6,710+10.9% | $5,851+27.2% |
| Admin fee / account holder | $11,043 | $12,126-8.9% | $10,265+7.6% | $11,601-4.8% |