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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 | $369,876 | $172,111+114.9% | $150,298+146.1% | $137,256+169.5% |
| Participation rate | 76.9% | 81.7%-4.8pp | 77.8%-0.8pp | 80.0%-3.0pp |
| Annual return | 8.86% | 69.37%-60.5pp | 62.79%-53.9pp | 220.34%-211.5pp |
| Employer contribution / active EE | $12,193 | $4,636+163.0% | $4,154+193.5% | $4,156+193.4% |
| Participant deferral / active EE | $6,229 | $6,166+1.0% | $5,453+14.2% | $6,407-2.8% |
| Admin fee / account holder | $1,247 | $16,471-92.4% | $14,116-91.2% | $12,270-89.8% |