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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 | $484,309 | $178,174+171.8% | $156,181+210.1% | $137,256+252.9% |
| Participation rate | 81.8% | 82.0%-0.2pp | 78.8%+3.0pp | 80.0%+1.9pp |
| Annual return | 4.28% | 84.19%-79.9pp | 64.87%-60.6pp | 220.34%-216.1pp |
| Employer contribution / active EE | $3,005 | $4,972-39.5% | $4,294-30.0% | $4,156-27.7% |
| Participant deferral / active EE | $9,041 | $6,888+31.3% | $6,132+47.4% | $6,407+41.1% |
| Admin fee / account holder | $7,481 | $17,404-57.0% | $14,586-48.7% | $12,270-39.0% |