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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 | $280,488 | $154,228+81.9% | $145,433+92.9% | $137,256+104.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 3.89% | 74.59%-70.7pp | 66.58%-62.7pp | 220.34%-216.5pp |
| Employer contribution / active EE | $22,198 | $4,804+362.1% | $4,554+387.4% | $4,156+434.1% |
| Participant deferral / active EE | $18,167 | $8,216+121.1% | $7,897+130.0% | $6,407+183.6% |
| Admin fee / account holder | $7,108 | $14,344-50.4% | $13,129-45.9% | $12,270-42.1% |