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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 | $319,444 | $98,776+223.4% | $149,745+113.3% | $79,856+300.0% |
| Participation rate | 96.3% | 75.8%+20.5pp | 82.5%+13.8pp | 69.6%+26.7pp |
| Annual return | 10.28% | 27.38%-17.1pp | 276.72%-266.4pp | 31.71%-21.4pp |
| Employer contribution / active EE | $5,984 | $3,217+86.0% | $4,646+28.8% | $2,471+142.2% |
| Participant deferral / active EE | $11,186 | $5,681+96.9% | $6,843+63.5% | $3,741+199.0% |
| Admin fee / account holder | $1,535 | $6,053-74.6% | $9,312-83.5% | $5,306-71.1% |