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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 | $341,606 | $91,037+275.2% | $71,671+376.6% | $147,586+131.5% |
| Participation rate | 100.0% | 76.1%+23.9pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 6.72% | 20.48%-13.8pp | 20.65%-13.9pp | 578.59%-571.9pp |
| Employer contribution / active EE | $8,867 | $3,327+166.5% | $2,460+260.5% | $4,876+81.8% |
| Participant deferral / active EE | $16,983 | $4,498+277.6% | $3,438+394.0% | $5,439+212.3% |
| Admin fee / account holder | $2,496 | $8,613-71.0% | $5,558-55.1% | $10,886-77.1% |