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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 | $261,395 | $180,028+45.2% | $138,135+89.2% | $158,982+64.4% |
| Participation rate | 91.7% | 82.2%+9.4pp | 78.7%+13.0pp | 82.0%+9.7pp |
| Annual return | 1.24% | 21.68%-20.4pp | 20.51%-19.3pp | 302.99%-301.8pp |
| Employer contribution / active EE | $8,097 | $7,470+8.4% | $5,587+44.9% | $4,763+70.0% |
| Participant deferral / active EE | $4,054 | $7,717-47.5% | $6,431-37.0% | $5,983-32.2% |
| Admin fee / account holder | $7,925 | $17,912-55.8% | $11,856-33.2% | $11,252-29.6% |