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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 | $378,605 | $152,619+148.1% | $125,195+202.4% | $152,909+147.6% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 2.52% | 54.85%-52.3pp | 43.79%-41.3pp | 345.46%-342.9pp |
| Employer contribution / active EE | $3,110 | $4,947-37.1% | $3,866-19.6% | $4,764-34.7% |
| Participant deferral / active EE | $12,198 | $5,869+107.8% | $4,937+147.1% | $5,851+108.5% |
| Admin fee / account holder | $16,712 | $13,437+24.4% | $9,704+72.2% | $11,601+44.1% |