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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 | $306,513 | $92,219+232.4% | $76,767+299.3% | $135,380+126.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.77% | 5.46%-14.2pp | 2.43%-11.2pp | 519.81%-528.6pp |
| Employer contribution / active EE | $19,576 | $3,216+508.7% | $2,485+687.7% | $4,779+309.6% |
| Participant deferral / active EE | $12,288 | $4,508+172.5% | $3,852+219.0% | $5,609+119.1% |
| Admin fee / account holder | $3,829 | $10,749-64.4% | $6,675-42.6% | $10,828-64.6% |