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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 | $392,350 | $131,835+197.6% | $108,582+261.3% | $273,972+43.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 1.47% | -91.57%+93.0pp | -51.70%+53.2pp | 41.46%-40.0pp |
| Employer contribution / active EE | $18,122 | $4,913+268.9% | $3,758+382.2% | $4,869+272.2% |
| Participant deferral / active EE | $13,788 | $5,127+168.9% | $4,311+219.8% | $5,287+160.8% |
| Admin fee / account holder | $9,838 | $10,253-4.0% | $7,645+28.7% | $10,133-2.9% |