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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 | $318,762 | $149,741+112.9% | $118,914+168.1% | $158,982+100.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | -1.52% | 19.94%-21.5pp | 35.89%-37.4pp | 302.99%-304.5pp |
| Employer contribution / active EE | $4,780 | $4,119+16.0% | $3,264+46.4% | $4,763+0.4% |
| Participant deferral / active EE | $2,283 | $5,226-56.3% | $4,266-46.5% | $5,983-61.9% |
| Admin fee / account holder | $777 | $8,607-91.0% | $6,582-88.2% | $11,252-93.1% |