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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 | $268,616 | $141,004+90.5% | $112,273+139.3% | $139,466+92.6% |
| Participation rate | 77.8% | 79.2%-1.4pp | 72.4%+5.3pp | 80.3%-2.6pp |
| Annual return | 4.54% | 32.75%-28.2pp | 30.23%-25.7pp | 373.66%-369.1pp |
| Employer contribution / active EE | $11,862 | $4,285+176.8% | $3,431+245.7% | $4,754+149.5% |
| Participant deferral / active EE | $0 | $5,878-100.0% | $4,800-100.0% | $6,712-100.0% |
| Admin fee / account holder | $885 | $9,959-91.1% | $7,752-88.6% | $11,409-92.2% |