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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 | $298,918 | $162,967+83.4% | $135,792+120.1% | $138,895+115.2% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 4.42% | 30.08%-25.7pp | 25.96%-21.5pp | 145.39%-141.0pp |
| Employer contribution / active EE | $10,023 | $4,211+138.0% | $3,496+186.7% | $4,194+139.0% |
| Participant deferral / active EE | $25,228 | $5,640+347.3% | $4,759+430.1% | $6,396+294.4% |
| Admin fee / account holder | $8,323 | $15,306-45.6% | $12,266-32.1% | $12,562-33.7% |