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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 | $257,585 | $127,273+102.4% | $109,895+134.4% | $167,518+53.8% |
| Participation rate | 88.9% | 77.9%+11.0pp | 74.2%+14.7pp | 82.1%+6.8pp |
| Annual return | 0.25% | 22.97%-22.7pp | 29.46%-29.2pp | 478.71%-478.5pp |
| Employer contribution / active EE | $7,198 | $3,324+116.5% | $2,843+153.1% | $4,838+48.8% |
| Participant deferral / active EE | $5,493 | $4,515+21.6% | $4,049+35.7% | $6,342-13.4% |
| Admin fee / account holder | $6,005 | $7,117-15.6% | $6,067-1.0% | $12,312-51.2% |