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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 | $172,111+86.2% | $150,298+113.2% | $137,256+133.5% |
| Participation rate | 90.0% | 81.7%+8.3pp | 77.8%+12.2pp | 80.0%+10.0pp |
| Annual return | 7.30% | 69.37%-62.1pp | 62.79%-55.5pp | 220.34%-213.0pp |
| Employer contribution / active EE | $7,671 | $4,636+65.5% | $4,154+84.7% | $4,156+84.6% |
| Participant deferral / active EE | $6,880 | $6,166+11.6% | $5,453+26.2% | $6,407+7.4% |
| Admin fee / account holder | $1,319 | $16,471-92.0% | $14,116-90.7% | $12,270-89.3% |