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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 | $313,600 | $134,817+132.6% | $123,973+153.0% | $155,188+102.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 7.36% | 515.49%-508.1pp | 388.13%-380.8pp | 148.84%-141.5pp |
| Employer contribution / active EE | $10,884 | $4,425+146.0% | $4,126+163.8% | $4,248+156.2% |
| Participant deferral / active EE | $3,552 | $5,706-37.8% | $5,247-32.3% | $6,531-45.6% |
| Admin fee / account holder | $671 | $13,245-94.9% | $11,799-94.3% | $14,480-95.4% |