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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 | $304,817 | $171,272+78.0% | $127,803+138.5% | $152,909+99.3% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.0%+21.0pp | 82.5%+17.5pp |
| Annual return | 4.40% | 23.54%-19.1pp | 26.14%-21.7pp | 345.46%-341.1pp |
| Employer contribution / active EE | $8,424 | $5,451+54.5% | $4,576+84.1% | $4,764+76.8% |
| Participant deferral / active EE | $10,733 | $7,043+52.4% | $6,023+78.2% | $5,851+83.4% |
| Admin fee / account holder | $12,534 | $14,540-13.8% | $9,399+33.4% | $11,601+8.0% |