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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 | $455,400 | $217,432+109.4% | $185,849+145.0% | $167,536+171.8% |
| Participation rate | 75.0% | 86.1%-11.1pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 8.24% | 148.42%-140.2pp | 122.10%-113.9pp | 478.82%-470.6pp |
| Employer contribution / active EE | $3,234 | $5,875-45.0% | $5,169-37.4% | $4,839-33.2% |
| Participant deferral / active EE | $6,341 | $6,357-0.3% | $5,569+13.9% | $6,3420% |
| Admin fee / account holder | $12,767 | $19,818-35.6% | $16,244-21.4% | $12,315+3.7% |