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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 | $264,387 | $101,795+159.7% | $165,100+60.1% | $80,959+226.6% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 7.43% | 16.73%-9.3pp | 70.21%-62.8pp | 35.67%-28.2pp |
| Employer contribution / active EE | $3,846 | $2,954+30.2% | $4,348-11.5% | $2,757+39.5% |
| Participant deferral / active EE | $9,235 | $4,476+106.3% | $6,035+53.0% | $4,300+114.7% |
| Admin fee / account holder | $5,333 | $8,221-35.1% | $12,696-58.0% | $6,925-23.0% |