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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 | $302,478 | $148,623+103.5% | $135,974+122.5% | $139,466+116.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 11.67% | 79.30%-67.6pp | 68.30%-56.6pp | 373.66%-362.0pp |
| Employer contribution / active EE | $17,590 | $5,246+235.3% | $4,859+262.0% | $4,754+270.0% |
| Participant deferral / active EE | $11,797 | $8,103+45.6% | $7,760+52.0% | $6,712+75.8% |
| Admin fee / account holder | $10,667 | $12,406-14.0% | $10,767-0.9% | $11,409-6.5% |