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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 | $252,322 | $138,114+82.7% | $125,391+101.2% | $134,545+87.5% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -32.73% | 750.88%-783.6pp | 572.41%-605.1pp | 418.37%-451.1pp |
| Employer contribution / active EE | $23,261 | $5,246+343.4% | $4,816+383.0% | $4,742+390.6% |
| Participant deferral / active EE | $13,112 | $7,801+68.1% | $7,448+76.0% | $6,401+104.8% |
| Admin fee / account holder | $2,460 | $11,570-78.7% | $10,009-75.4% | $11,431-78.5% |