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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 | $340,352 | $142,409+139.0% | $119,634+184.5% | $134,545+153.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -28.64% | -12.46%-16.2pp | -14.98%-13.7pp | 418.37%-447.0pp |
| Employer contribution / active EE | $14,825 | $5,224+183.8% | $4,232+250.3% | $4,742+212.7% |
| Participant deferral / active EE | $14,551 | $6,468+125.0% | $5,601+159.8% | $6,401+127.3% |
| Admin fee / account holder | $2,897 | $13,594-78.7% | $10,329-72.0% | $11,431-74.7% |