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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 | $326,904 | $183,592+78.1% | $155,567+110.1% | $145,959+124.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.29% | 61.24%-53.9pp | 64.74%-57.4pp | 561.95%-554.7pp |
| Employer contribution / active EE | $3,285 | $5,315-38.2% | $4,674-29.7% | $4,661-29.5% |
| Participant deferral / active EE | $6,828 | $6,464+5.6% | $5,628+21.3% | $6,689+2.1% |
| Admin fee / account holder | $3,543 | $19,318-81.7% | $15,916-77.7% | $13,398-73.6% |