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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 | $78,690+299.0% | $161,489+94.4% | $87,485+258.9% |
| Participation rate | 75.8% | 67.5%+8.3pp | 78.7%-2.9pp | 68.9%+6.8pp |
| Annual return | 10.84% | 32.74%-21.9pp | 89.72%-78.9pp | 26.06%-15.2pp |
| Employer contribution / active EE | $640 | $2,588-75.3% | $4,268-85.0% | $2,596-75.3% |
| Participant deferral / active EE | $3,167 | $3,311-4.4% | $5,630-43.8% | $4,274-25.9% |
| Admin fee / account holder | $3,256 | $6,724-51.6% | $16,006-79.7% | $7,775-58.1% |