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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 | $347,812 | $181,062+92.1% | $158,223+119.8% | $155,188+124.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 8.69% | 57.39%-48.7pp | 52.09%-43.4pp | 148.84%-140.2pp |
| Employer contribution / active EE | $7,480 | $4,565+63.9% | $4,109+82.0% | $4,248+76.1% |
| Participant deferral / active EE | $4,722 | $6,134-23.0% | $5,467-13.6% | $6,531-27.7% |
| Admin fee / account holder | $12,947 | $18,825-31.2% | $16,047-19.3% | $14,480-10.6% |