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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 | $398,577 | $114,013+249.6% | $103,693+284.4% | $155,188+156.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 7.85% | 49.31%-41.5pp | 47.61%-39.8pp | 148.84%-141.0pp |
| Employer contribution / active EE | $12,209 | $3,131+289.9% | $2,920+318.1% | $4,248+187.4% |
| Participant deferral / active EE | $21,940 | $4,970+341.5% | $4,579+379.1% | $6,531+235.9% |
| Admin fee / account holder | $2,805 | $8,407-66.6% | $7,858-64.3% | $14,480-80.6% |