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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 | $294,647 | $94,749+211.0% | $112,899+161.0% | $139,456+111.3% |
| Participation rate | 85.7% | 81.3%+4.4pp | 80.5%+5.2pp | 80.3%+5.4pp |
| Annual return | 10.56% | 40.92%-30.4pp | 34.11%-23.6pp | 373.45%-362.9pp |
| Employer contribution / active EE | $6,691 | $4,630+44.5% | $4,566+46.5% | $4,753+40.8% |
| Participant deferral / active EE | $10,826 | $6,517+66.1% | $6,516+66.1% | $6,711+61.3% |
| Admin fee / account holder | $3,913 | $8,530-54.1% | $7,047-44.5% | $11,407-65.7% |