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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 | $255,665 | $107,809+137.1% | $90,657+182.0% | $135,380+88.8% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.0%+26.0pp | 82.6%+17.4pp |
| Annual return | -11.08% | -0.90%-10.2pp | 1.89%-13.0pp | 519.81%-530.9pp |
| Employer contribution / active EE | $23,474 | $3,018+677.8% | $2,532+827.2% | $4,779+391.2% |
| Participant deferral / active EE | $18,264 | $3,872+371.7% | $3,424+433.4% | $5,609+225.6% |
| Admin fee / account holder | $561 | $5,931-90.5% | $4,994-88.8% | $10,828-94.8% |