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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 | $260,204 | $197,625+31.7% | $177,840+46.3% | $158,966+63.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 0.61% | 58.76%-58.2pp | 48.32%-47.7pp | 302.95%-302.3pp |
| Employer contribution / active EE | $22,971 | $6,698+242.9% | $5,919+288.1% | $4,762+382.3% |
| Participant deferral / active EE | $13,434 | $8,405+59.8% | $7,714+74.2% | $5,983+124.5% |
| Admin fee / account holder | $25,905 | $15,405+68.2% | $12,431+108.4% | $11,250+130.3% |