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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 | $1,122,643 | $175,259+540.6% | $149,723+649.8% | $139,487+704.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | -4.37% | 166.82%-171.2pp | 134.50%-138.9pp | 373.84%-378.2pp |
| Employer contribution / active EE | $29,891 | $5,478+445.6% | $4,821+520.0% | $4,755+528.7% |
| Participant deferral / active EE | $19,750 | $6,522+202.8% | $5,682+247.6% | $6,713+194.2% |
| Admin fee / account holder | $13,072 | $16,158-19.1% | $13,215-1.1% | $11,407+14.6% |