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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 | $325,161 | $108,882+198.6% | $96,754+236.1% | $154,746+110.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 8.25% | 98.39%-90.1pp | 82.04%-73.8pp | 172.34%-164.1pp |
| Employer contribution / active EE | $20,412 | $3,018+576.3% | $2,679+661.9% | $4,379+366.1% |
| Participant deferral / active EE | $10,840 | $5,323+103.7% | $4,758+127.8% | $6,730+61.1% |
| Admin fee / account holder | $2,064 | $10,200-79.8% | $8,905-76.8% | $14,365-85.6% |