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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 | $353,529 | $156,398+126.0% | $147,318+140.0% | $138,895+154.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 11.45% | 78.75%-67.3pp | 70.43%-59.0pp | 145.39%-133.9pp |
| Employer contribution / active EE | $6,155 | $4,853+26.8% | $4,593+34.0% | $4,194+46.7% |
| Participant deferral / active EE | $14,476 | $8,237+75.7% | $7,906+83.1% | $6,396+126.3% |
| Admin fee / account holder | $5,792 | $14,976-61.3% | $13,708-57.7% | $12,562-53.9% |