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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 | $805,525 | $167,353+381.3% | $143,797+460.2% | $134,545+498.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -26.96% | 0.48%-27.4pp | -0.04%-26.9pp | 418.37%-445.3pp |
| Employer contribution / active EE | $12,995 | $5,620+131.2% | $4,952+162.4% | $4,742+174.1% |
| Participant deferral / active EE | $15,704 | $6,447+143.6% | $5,638+178.5% | $6,401+145.3% |
| Admin fee / account holder | $19,186 | $18,096+6.0% | $14,679+30.7% | $11,431+67.8% |