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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 | $284,583 | $209,874+35.6% | $189,537+50.1% | $167,536+69.9% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 7.26% | 748.61%-741.4pp | 555.34%-548.1pp | 478.82%-471.6pp |
| Employer contribution / active EE | $12,112 | $6,913+75.2% | $6,161+96.6% | $4,839+150.3% |
| Participant deferral / active EE | $15,456 | $8,934+73.0% | $8,220+88.0% | $6,342+143.7% |
| Admin fee / account holder | $2,305 | $14,299-83.9% | $12,048-80.9% | $12,315-81.3% |