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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 | $283,894 | $70,366+303.5% | $66,674+325.8% | $138,895+104.4% |
| Participation rate | 87.5% | 76.2%+11.3pp | 73.7%+13.8pp | 79.9%+7.6pp |
| Annual return | 12.87% | 386.41%-373.5pp | 321.24%-308.4pp | 145.39%-132.5pp |
| Employer contribution / active EE | $2,835 | $2,765+2.5% | $2,620+8.2% | $4,194-32.4% |
| Participant deferral / active EE | $10,726 | $4,374+145.2% | $4,084+162.6% | $6,396+67.7% |
| Admin fee / account holder | $3,379 | $5,262-35.8% | $5,098-33.7% | $12,562-73.1% |