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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 | $316,433 | $172,111+83.9% | $150,298+110.5% | $137,256+130.5% |
| Participation rate | 81.3% | 81.7%-0.5pp | 77.8%+3.5pp | 80.0%+1.3pp |
| Annual return | -12.82% | 69.37%-82.2pp | 62.79%-75.6pp | 220.34%-233.2pp |
| Employer contribution / active EE | $1,326 | $4,636-71.4% | $4,154-68.1% | $4,156-68.1% |
| Participant deferral / active EE | $28,569 | $6,166+363.4% | $5,453+423.9% | $6,407+345.9% |
| Admin fee / account holder | $1,723 | $16,471-89.5% | $14,116-87.8% | $12,270-86.0% |