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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 | $320,464 | $185,312+72.9% | $161,489+98.4% | $154,746+107.1% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 7.30% | 103.84%-96.5pp | 89.72%-82.4pp | 172.34%-165.0pp |
| Employer contribution / active EE | $7,671 | $4,769+60.9% | $4,268+79.7% | $4,379+75.2% |
| Participant deferral / active EE | $6,880 | $6,350+8.3% | $5,630+22.2% | $6,730+2.2% |
| Admin fee / account holder | $1,319 | $18,654-92.9% | $16,006-91.8% | $14,365-90.8% |