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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 | $362,022 | $102,609+252.8% | $98,090+269.1% | $138,895+160.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 11.08% | 36.44%-25.4pp | 37.05%-26.0pp | 145.39%-134.3pp |
| Employer contribution / active EE | $3,710 | $3,867-4.1% | $3,606+2.9% | $4,194-11.5% |
| Participant deferral / active EE | $11,334 | $8,167+38.8% | $7,845+44.5% | $6,396+77.2% |
| Admin fee / account holder | $1,035 | $11,434-90.9% | $11,815-91.2% | $12,562-91.8% |