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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 | $551,418 | $133,981+311.6% | $112,249+391.2% | $134,532+309.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -21.07% | 47.16%-68.2pp | 27.48%-48.6pp | 418.27%-439.3pp |
| Employer contribution / active EE | $3,245 | $4,040-19.7% | $3,636-10.8% | $4,741-31.6% |
| Participant deferral / active EE | $13,905 | $5,292+162.8% | $4,729+194.0% | $6,401+117.2% |
| Admin fee / account holder | $3,652 | $7,492-51.3% | $6,412-43.1% | $11,429-68.0% |