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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 | $323,828 | $121,677+166.1% | $104,625+209.5% | $158,966+103.7% |
| Participation rate | 83.3% | 77.5%+5.8pp | 74.1%+9.3pp | 82.0%+1.4pp |
| Annual return | 1.10% | 465.58%-464.5pp | 340.60%-339.5pp | 302.95%-301.9pp |
| Employer contribution / active EE | $2,497 | $3,165-21.1% | $2,681-6.9% | $4,762-47.6% |
| Participant deferral / active EE | $12,350 | $4,175+195.8% | $3,738+230.4% | $5,983+106.4% |
| Admin fee / account holder | $20,858 | $7,777+168.2% | $6,465+222.6% | $11,250+85.4% |