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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 | $359,072 | $183,592+95.6% | $155,574+130.8% | $145,877+146.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.30% | 61.37%-54.1pp | 64.87%-57.6pp | 551.28%-544.0pp |
| Employer contribution / active EE | $4,102 | $5,317-22.9% | $4,676-12.3% | $4,663-12.0% |
| Participant deferral / active EE | $15,580 | $6,466+141.0% | $5,629+176.8% | $6,691+132.9% |
| Admin fee / account holder | $3,368 | $19,316-82.6% | $15,914-78.8% | $13,402-74.9% |