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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 | $409,106 | $211,239+93.7% | $178,528+129.2% | $145,877+180.4% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 6.67% | 30.22%-23.6pp | 27.11%-20.4pp | 551.28%-544.6pp |
| Employer contribution / active EE | $6,719 | $4,570+47.0% | $3,950+70.1% | $4,663+44.1% |
| Participant deferral / active EE | $20,873 | $6,963+199.8% | $6,278+232.5% | $6,691+212.0% |
| Admin fee / account holder | $2,250 | $12,095-81.4% | $10,419-78.4% | $13,402-83.2% |