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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 | $544,108 | $152,612+256.5% | $125,192+334.6% | $152,897+255.9% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | -5.89% | 54.85%-60.7pp | 43.79%-49.7pp | 345.43%-351.3pp |
| Employer contribution / active EE | $30,212 | $4,947+510.7% | $3,866+681.5% | $4,764+534.2% |
| Participant deferral / active EE | $15,417 | $5,868+162.7% | $4,937+212.3% | $5,851+163.5% |
| Admin fee / account holder | $2,644 | $13,437-80.3% | $9,704-72.8% | $11,599-77.2% |