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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 | $394,012 | $154,228+155.5% | $145,433+170.9% | $137,256+187.1% |
| Participation rate | 85.7% | 83.8%+1.9pp | 82.1%+3.6pp | 80.0%+5.8pp |
| Annual return | 11.90% | 74.59%-62.7pp | 66.58%-54.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $3,236 | $4,804-32.6% | $4,554-28.9% | $4,156-22.1% |
| Participant deferral / active EE | $6,877 | $8,216-16.3% | $7,897-12.9% | $6,407+7.3% |
| Admin fee / account holder | $25,652 | $14,344+78.8% | $13,129+95.4% | $12,270+109.1% |