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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 | $261,031 | $93,617+178.8% | $135,982+92.0% | $75,177+247.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 12.53% | 30.89%-18.4pp | 68.32%-55.8pp | 160.75%-148.2pp |
| Employer contribution / active EE | $6,264 | $3,538+77.0% | $4,859+28.9% | $2,671+134.5% |
| Participant deferral / active EE | $11,388 | $6,406+77.8% | $7,760+46.8% | $4,126+176.0% |
| Admin fee / account holder | $76,742 | $6,980+999.5% | $10,767+612.7% | $5,651+1257.9% |