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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 | $418,301 | $197,603+111.7% | $177,827+135.2% | $158,950+163.2% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | -2.01% | 58.76%-60.8pp | 48.32%-50.3pp | 302.91%-304.9pp |
| Employer contribution / active EE | $17,433 | $6,698+160.3% | $5,918+194.6% | $4,762+266.1% |
| Participant deferral / active EE | $13,598 | $8,404+61.8% | $7,713+76.3% | $5,983+127.3% |
| Admin fee / account holder | $2,508 | $15,402-83.7% | $12,429-79.8% | $11,248-77.7% |