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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 | $336,400 | $111,814+200.9% | $103,378+225.4% | $145,978+130.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.17% | 24.80%-16.6pp | 24.91%-16.7pp | 550.52%-542.3pp |
| Employer contribution / active EE | $3,987 | $4,215-5.4% | $3,870+3.0% | $4,662-14.5% |
| Participant deferral / active EE | $17,332 | $5,618+208.5% | $5,058+242.7% | $6,690+159.1% |
| Admin fee / account holder | $3,897 | $9,764-60.1% | $8,401-53.6% | $13,400-70.9% |