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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 | $364,863 | $183,516+98.8% | $155,534+134.6% | $145,884+150.1% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 7.42% | 61.43%-54.0pp | 64.92%-57.5pp | 551.85%-544.4pp |
| Employer contribution / active EE | $10,418 | $5,315+96.0% | $4,675+122.9% | $4,662+123.4% |
| Participant deferral / active EE | $8,887 | $6,467+37.4% | $5,630+57.8% | $6,690+32.8% |
| Admin fee / account holder | $1,149 | $19,293-94.0% | $15,900-92.8% | $13,392-91.4% |