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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 | $185,312+99.6% | $161,489+129.0% | $154,746+139.0% |
| Participation rate | 76.9% | 82.5%-5.5pp | 78.7%-1.8pp | 80.7%-3.8pp |
| Annual return | 8.86% | 103.84%-95.0pp | 89.72%-80.9pp | 172.34%-163.5pp |
| Employer contribution / active EE | $12,193 | $4,769+155.7% | $4,268+185.7% | $4,379+178.4% |
| Participant deferral / active EE | $6,229 | $6,350-1.9% | $5,630+10.6% | $6,730-7.4% |
| Admin fee / account holder | $1,247 | $18,654-93.3% | $16,006-92.2% | $14,365-91.3% |