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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 | $289,882 | $212,386+36.5% | $199,883+45.0% | $138,895+108.7% |
| Participation rate | 87.5% | 87.4%+0.1pp | 86.8%+0.7pp | 79.9%+7.6pp |
| Annual return | 9.88% | 47.75%-37.9pp | 43.81%-33.9pp | 145.39%-135.5pp |
| Employer contribution / active EE | $27,405 | $6,625+313.7% | $6,261+337.7% | $4,194+553.4% |
| Participant deferral / active EE | $13,775 | $9,617+43.2% | $9,138+50.7% | $6,396+115.4% |
| Admin fee / account holder | $7,867 | $18,233-56.9% | $17,268-54.4% | $12,562-37.4% |