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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 | $256,122 | $197,637+29.6% | $177,848+44.0% | $158,982+61.1% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | -1.35% | 58.77%-60.1pp | 48.33%-49.7pp | 302.99%-304.3pp |
| Employer contribution / active EE | $19,678 | $6,698+193.8% | $5,919+232.5% | $4,763+313.1% |
| Participant deferral / active EE | $16,454 | $8,405+95.8% | $7,714+113.3% | $5,983+175.0% |
| Admin fee / account holder | $9,084 | $15,406-41.0% | $12,431-26.9% | $11,252-19.3% |