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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 | $287,190 | $167,353+71.6% | $143,797+99.7% | $134,545+113.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -26.67% | 0.48%-27.1pp | -0.04%-26.6pp | 418.37%-445.0pp |
| Employer contribution / active EE | $6,364 | $5,620+13.2% | $4,952+28.5% | $4,742+34.2% |
| Participant deferral / active EE | $5,300 | $6,447-17.8% | $5,638-6.0% | $6,401-17.2% |
| Admin fee / account holder | $5,127 | $18,096-71.7% | $14,679-65.1% | $11,431-55.1% |