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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 | $253,594 | $167,362+51.5% | $143,799+76.4% | $134,532+88.5% |
| Participation rate | 85.7% | 84.8%+0.9pp | 80.3%+5.4pp | 81.2%+4.5pp |
| Annual return | -21.46% | 0.47%-21.9pp | -0.04%-21.4pp | 418.27%-439.7pp |
| Employer contribution / active EE | $1,514 | $5,620-73.1% | $4,952-69.4% | $4,741-68.1% |
| Participant deferral / active EE | $6,441 | $6,447-0.1% | $5,638+14.2% | $6,401+0.6% |
| Admin fee / account holder | $1,977 | $18,094-89.1% | $14,677-86.5% | $11,429-82.7% |