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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 | $255,112 | $127,387+100.3% | $115,038+121.8% | $125,389+103.5% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -5.00% | 31.28%-36.3pp | 26.14%-31.1pp | 282.24%-287.2pp |
| Employer contribution / active EE | $13,689 | $5,166+165.0% | $4,608+197.1% | $4,866+181.3% |
| Participant deferral / active EE | $9,963 | $6,423+55.1% | $6,026+65.3% | $5,352+86.2% |
| Admin fee / account holder | $82,552 | $9,516+767.5% | $8,175+909.8% | $9,541+765.2% |