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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 | $383,291 | $197,637+93.9% | $177,848+115.5% | $158,982+141.1% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 3.06% | 58.77%-55.7pp | 48.33%-45.3pp | 302.99%-299.9pp |
| Employer contribution / active EE | $8,439 | $6,698+26.0% | $5,919+42.6% | $4,763+77.2% |
| Participant deferral / active EE | $18,813 | $8,405+123.8% | $7,714+143.9% | $5,983+214.4% |
| Admin fee / account holder | $17,827 | $15,406+15.7% | $12,431+43.4% | $11,252+58.4% |