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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 | $333,261 | $117,895+182.7% | $102,460+225.3% | $145,897+128.4% |
| Participation rate | 90.0% | 78.6%+11.4pp | 76.5%+13.5pp | 80.3%+9.7pp |
| Annual return | 7.50% | 31.92%-24.4pp | 29.47%-22.0pp | 552.29%-544.8pp |
| Employer contribution / active EE | $2,975 | $3,619-17.8% | $3,025-1.7% | $4,663-36.2% |
| Participant deferral / active EE | $13,245 | $5,736+130.9% | $5,056+162.0% | $6,689+98.0% |
| Admin fee / account holder | $2,867 | $13,353-78.5% | $9,460-69.7% | $13,390-78.6% |