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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 | $350,465 | $157,296+122.8% | $141,191+148.2% | $152,897+129.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 3.30% | 64.34%-61.0pp | 71.41%-68.1pp | 345.43%-342.1pp |
| Employer contribution / active EE | $8,407 | $5,262+59.8% | $4,736+77.5% | $4,764+76.5% |
| Participant deferral / active EE | $9,317 | $7,111+31.0% | $6,710+38.9% | $5,851+59.2% |
| Admin fee / account holder | $1,170 | $12,125-90.4% | $10,264-88.6% | $11,599-89.9% |