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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 | $291,033 | $174,379+66.9% | $152,093+91.4% | $138,895+109.5% |
| Participation rate | 92.9% | 81.6%+11.2pp | 77.8%+15.1pp | 79.9%+12.9pp |
| Annual return | 8.73% | 74.86%-66.1pp | 66.36%-57.6pp | 145.39%-136.7pp |
| Employer contribution / active EE | $2,874 | $4,652-38.2% | $4,175-31.2% | $4,194-31.5% |
| Participant deferral / active EE | $3,052 | $6,159-50.5% | $5,451-44.0% | $6,396-52.3% |
| Admin fee / account holder | $39,840 | $16,880+136.0% | $14,497+174.8% | $12,562+217.1% |