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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 | $253,607 | $165,399+53.3% | $149,745+69.4% | $158,982+59.5% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 2.00% | 348.34%-346.3pp | 276.72%-274.7pp | 302.99%-301.0pp |
| Employer contribution / active EE | $5,339 | $5,105+4.6% | $4,646+14.9% | $4,763+12.1% |
| Participant deferral / active EE | $11,742 | $7,183+63.5% | $6,843+71.6% | $5,983+96.2% |
| Admin fee / account holder | $5,541 | $10,811-48.7% | $9,312-40.5% | $11,252-50.8% |