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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 | $288,845 | $110,278+161.9% | $95,740+201.7% | $139,466+107.1% |
| Participation rate | 75.0% | 75.7%-0.7pp | 72.3%+2.7pp | 80.3%-5.3pp |
| Annual return | 5.31% | 27.19%-21.9pp | 28.41%-23.1pp | 373.66%-368.4pp |
| Employer contribution / active EE | $8,105 | $3,260+148.6% | $2,836+185.8% | $4,754+70.5% |
| Participant deferral / active EE | $4,713 | $4,674+0.8% | $4,244+11.1% | $6,712-29.8% |
| Admin fee / account holder | $1,160 | $6,613-82.5% | $5,676-79.6% | $11,409-89.8% |