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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 | $287,236 | $136,860+109.9% | $120,344+138.7% | $154,746+85.6% |
| Participation rate | 75.0% | 79.9%-4.9pp | 76.7%-1.7pp | 80.7%-5.7pp |
| Annual return | 7.77% | 21.38%-13.6pp | 20.30%-12.5pp | 172.34%-164.6pp |
| Employer contribution / active EE | $22,166 | $3,533+527.4% | $3,020+633.9% | $4,379+406.2% |
| Participant deferral / active EE | $4,967 | $5,793-14.3% | $5,135-3.3% | $6,730-26.2% |
| Admin fee / account holder | $10,443 | $15,393-32.2% | $12,742-18.0% | $14,365-27.3% |