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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 | $287,940 | $73,848+289.9% | $143,799+100.2% | $68,486+320.4% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -30.21% | 0.91%-31.1pp | -0.04%-30.2pp | -7.85%-22.4pp |
| Employer contribution / active EE | $24,992 | $3,184+684.8% | $4,952+404.7% | $2,597+862.5% |
| Participant deferral / active EE | $13,937 | $3,385+311.8% | $5,638+147.2% | $4,028+246.0% |
| Admin fee / account holder | $4,360 | $5,755-24.2% | $14,677-70.3% | $5,404-19.3% |