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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 | $416,529 | $135,645+207.1% | $110,243+277.8% | $135,380+207.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -10.44% | 513.24%-523.7pp | 314.76%-325.2pp | 519.81%-530.2pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $15,502 | $5,507+181.5% | $4,672+231.8% | $5,609+176.4% |
| Admin fee / account holder | $1,835 | $11,458-84.0% | $8,548-78.5% | $10,828-83.1% |