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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 | $421,456 | $115,810+263.9% | $101,271+316.2% | $158,966+165.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 1.60% | 56.15%-54.6pp | 46.48%-44.9pp | 302.95%-301.4pp |
| Employer contribution / active EE | $6,499 | $4,175+55.6% | $3,660+77.6% | $4,762+36.5% |
| Participant deferral / active EE | $1,646 | $4,958-66.8% | $4,371-62.3% | $5,983-72.5% |
| Admin fee / account holder | $50,000 | $7,248+589.8% | $5,948+740.7% | $11,250+344.4% |