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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 | $332,299 | $185,312+79.3% | $161,489+105.8% | $154,746+114.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 4.78% | 103.84%-99.1pp | 89.72%-84.9pp | 172.34%-167.6pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $17,656 | $6,350+178.1% | $5,630+213.6% | $6,730+162.3% |
| Admin fee / account holder | $16,017 | $18,654-14.1% | $16,006+0.1% | $14,365+11.5% |