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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 | $256,098 | $201,259+27.2% | $184,200+39.0% | $145,959+75.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 8.55% | 28.98%-20.4pp | 28.80%-20.2pp | 561.95%-553.4pp |
| Employer contribution / active EE | $3,269 | $7,018-53.4% | $6,424-49.1% | $4,661-29.9% |
| Participant deferral / active EE | $17,135 | $9,806+74.7% | $9,132+87.6% | $6,689+156.2% |
| Admin fee / account holder | $963 | $16,372-94.1% | $13,907-93.1% | $13,398-92.8% |