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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 | $251,967 | $168,636+49.4% | $147,618+70.7% | $125,388+100.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.01% | 77.65%-81.7pp | 61.98%-66.0pp | 282.24%-286.3pp |
| Employer contribution / active EE | $6,824 | $6,252+9.1% | $5,565+22.6% | $4,866+40.2% |
| Participant deferral / active EE | $1,958 | $5,507-64.4% | $4,895-60.0% | $5,352-63.4% |
| Admin fee / account holder | $5,058 | $13,580-62.8% | $11,612-56.4% | $9,541-47.0% |