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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 | $383,534 | $162,821+135.6% | $133,978+186.3% | $158,982+141.2% |
| Participation rate | 90.0% | 83.2%+6.8pp | 79.8%+10.2pp | 82.0%+8.0pp |
| Annual return | 4.71% | 41.95%-37.2pp | 45.10%-40.4pp | 302.99%-298.3pp |
| Employer contribution / active EE | $11,575 | $4,976+132.6% | $3,919+195.4% | $4,763+143.0% |
| Participant deferral / active EE | $9,048 | $5,910+53.1% | $5,047+79.3% | $5,983+51.2% |
| Admin fee / account holder | $1,727 | $11,742-85.3% | $8,930-80.7% | $11,252-84.7% |