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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 | $317,254 | $125,237+153.3% | $105,608+200.4% | $145,877+117.5% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 0.38% | 225.76%-225.4pp | 116.50%-116.1pp | 551.28%-550.9pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $30,500 | $5,711+434.1% | $5,010+508.8% | $6,691+355.9% |
| Admin fee / account holder | $13,528 | $17,287-21.7% | $11,028+22.7% | $13,402+0.9% |