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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 | $347,277 | $175,231+98.2% | $149,696+132.0% | $139,466+149.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 8.30% | 166.77%-158.5pp | 134.46%-126.2pp | 373.66%-365.4pp |
| Employer contribution / active EE | $15,015 | $5,478+174.1% | $4,821+211.5% | $4,754+215.8% |
| Participant deferral / active EE | $18,188 | $6,521+178.9% | $5,682+220.1% | $6,712+171.0% |
| Admin fee / account holder | $4,864 | $16,155-69.9% | $13,212-63.2% | $11,409-57.4% |