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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 | $337,962 | $96,678+249.6% | $86,640+290.1% | $139,466+142.3% |
| Participation rate | 85.7% | 74.4%+11.3pp | 71.7%+14.0pp | 80.3%+5.4pp |
| Annual return | -1.75% | 106.69%-108.4pp | 592.52%-594.3pp | 373.66%-375.4pp |
| Employer contribution / active EE | $10,000 | $3,265+206.2% | $3,024+230.7% | $4,754+110.4% |
| Participant deferral / active EE | $10,029 | $4,837+107.3% | $4,438+126.0% | $6,712+49.4% |
| Admin fee / account holder | $1,654 | $6,410-74.2% | $5,616-70.6% | $11,409-85.5% |