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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 | $253,711 | $104,694+142.3% | $85,709+196.0% | $167,536+51.4% |
| Participation rate | 71.4% | 76.4%-4.9pp | 69.9%+1.6pp | 82.1%-10.7pp |
| Annual return | 1.24% | 21.45%-20.2pp | 21.49%-20.3pp | 478.82%-477.6pp |
| Employer contribution / active EE | $672 | $3,337-79.9% | $2,619-74.3% | $4,839-86.1% |
| Participant deferral / active EE | $3,893 | $4,826-19.3% | $3,924-0.8% | $6,342-38.6% |
| Admin fee / account holder | $10,275 | $10,035+2.4% | $6,876+49.4% | $12,315-16.6% |