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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 | $386,304 | $183,516+110.5% | $155,534+148.4% | $145,884+164.8% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 5.72% | 61.43%-55.7pp | 64.92%-59.2pp | 551.85%-546.1pp |
| Employer contribution / active EE | $2,392 | $5,315-55.0% | $4,675-48.8% | $4,662-48.7% |
| Participant deferral / active EE | $12,121 | $6,467+87.4% | $5,630+115.3% | $6,690+81.2% |
| Admin fee / account holder | $2,494 | $19,293-87.1% | $15,900-84.3% | $13,392-81.4% |