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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 | $336,588 | $104,937+220.8% | $84,628+297.7% | $152,897+120.1% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 3.96% | 373.88%-369.9pp | 258.80%-254.8pp | 345.43%-341.5pp |
| Employer contribution / active EE | $1,103 | $3,303-66.6% | $2,653-58.4% | $4,764-76.9% |
| Participant deferral / active EE | $2,014 | $4,690-57.1% | $3,900-48.4% | $5,851-65.6% |
| Admin fee / account holder | $9,828 | $6,243+57.4% | $4,914+100.0% | $11,599-15.3% |