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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 | $174,379+83.8% | $152,093+110.7% | $138,895+130.7% |
| Participation rate | 90.0% | 81.6%+8.4pp | 77.8%+12.2pp | 79.9%+10.1pp |
| Annual return | 7.30% | 74.86%-67.6pp | 66.36%-59.1pp | 145.39%-138.1pp |
| Employer contribution / active EE | $7,671 | $4,652+64.9% | $4,175+83.8% | $4,194+82.9% |
| Participant deferral / active EE | $6,880 | $6,159+11.7% | $5,451+26.2% | $6,396+7.6% |
| Admin fee / account holder | $1,319 | $16,880-92.2% | $14,497-90.9% | $12,562-89.5% |