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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 | $346,270 | $178,174+94.3% | $156,181+121.7% | $137,256+152.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 9.84% | 84.19%-74.3pp | 64.87%-55.0pp | 220.34%-210.5pp |
| Employer contribution / active EE | $7,199 | $4,972+44.8% | $4,294+67.6% | $4,156+73.2% |
| Participant deferral / active EE | $9,074 | $6,888+31.7% | $6,132+48.0% | $6,407+41.6% |
| Admin fee / account holder | $1,676 | $17,404-90.4% | $14,586-88.5% | $12,270-86.3% |