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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 | $174,379+90.6% | $152,093+118.5% | $138,895+139.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 4.78% | 74.86%-70.1pp | 66.36%-61.6pp | 145.39%-140.6pp |
| Employer contribution / active EE | $0 | $4,652-100.0% | $4,175-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $17,656 | $6,159+186.7% | $5,451+223.9% | $6,396+176.0% |
| Admin fee / account holder | $16,017 | $16,880-5.1% | $14,497+10.5% | $12,562+27.5% |