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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 | $280,222 | $175,259+59.9% | $149,723+87.2% | $139,487+100.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.52% | 166.82%-156.3pp | 134.50%-124.0pp | 373.84%-363.3pp |
| Employer contribution / active EE | $17,326 | $5,478+216.3% | $4,821+259.4% | $4,755+264.4% |
| Participant deferral / active EE | $10,145 | $6,522+55.6% | $5,682+78.5% | $6,713+51.1% |
| Admin fee / account holder | $3,711 | $16,158-77.0% | $13,215-71.9% | $11,407-67.5% |