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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 | $369,465 | $95,915+285.2% | $79,580+364.3% | $134,532+174.6% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -23.37% | -2.71%-20.7pp | 0.15%-23.5pp | 418.27%-441.6pp |
| Employer contribution / active EE | $4,279 | $3,129+36.8% | $2,413+77.3% | $4,741-9.8% |
| Participant deferral / active EE | $5,652 | $4,693+20.4% | $3,985+41.8% | $6,401-11.7% |
| Admin fee / account holder | $1,588 | $9,132-82.6% | $6,835-76.8% | $11,429-86.1% |