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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 | $420,344 | $167,353+151.2% | $143,797+192.3% | $134,545+212.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -24.41% | 0.48%-24.9pp | -0.04%-24.4pp | 418.37%-442.8pp |
| Employer contribution / active EE | $9,981 | $5,620+77.6% | $4,952+101.5% | $4,742+110.5% |
| Participant deferral / active EE | $25,646 | $6,447+297.8% | $5,638+354.8% | $6,401+300.6% |
| Admin fee / account holder | $747 | $18,096-95.9% | $14,679-94.9% | $11,431-93.5% |