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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 | $361,710 | $138,078+162.0% | $125,363+188.5% | $134,509+168.9% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -25.41% | 750.49%-775.9pp | 572.15%-597.6pp | 418.13%-443.5pp |
| Employer contribution / active EE | $2,332 | $5,245-55.5% | $4,815-51.6% | $4,741-50.8% |
| Participant deferral / active EE | $14,275 | $7,800+83.0% | $7,447+91.7% | $6,400+123.0% |
| Admin fee / account holder | $5,764 | $11,566-50.2% | $10,005-42.4% | $11,427-49.6% |