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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 | $313,292 | $183,592+70.6% | $155,567+101.4% | $145,959+114.6% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 6.12% | 61.24%-55.1pp | 64.74%-58.6pp | 561.95%-555.8pp |
| Employer contribution / active EE | $6,921 | $5,315+30.2% | $4,674+48.1% | $4,661+48.5% |
| Participant deferral / active EE | $8,790 | $6,464+36.0% | $5,628+56.2% | $6,689+31.4% |
| Admin fee / account holder | $751 | $19,318-96.1% | $15,916-95.3% | $13,398-94.4% |