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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 | $313,975 | $76,407+310.9% | $150,298+108.9% | $82,448+280.8% |
| Participation rate | 75.8% | 66.4%+9.4pp | 77.8%-2.0pp | 68.1%+7.7pp |
| Annual return | 10.84% | 39.99%-29.2pp | 62.79%-51.9pp | 41.64%-30.8pp |
| Employer contribution / active EE | $640 | $2,614-75.5% | $4,154-84.6% | $2,551-74.9% |
| Participant deferral / active EE | $3,167 | $3,214-1.5% | $5,453-41.9% | $4,139-23.5% |
| Admin fee / account holder | $3,256 | $6,352-48.7% | $14,116-76.9% | $7,234-55.0% |