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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 | $336,596 | $109,344+207.8% | $89,400+276.5% | $158,950+111.8% |
| Participation rate | 100.0% | 74.3%+25.7pp | 68.0%+32.0pp | 82.0%+18.0pp |
| Annual return | 4.04% | 345.73%-341.7pp | 245.64%-241.6pp | 302.91%-298.9pp |
| Employer contribution / active EE | $1,065 | $3,170-66.4% | $2,586-58.8% | $4,762-77.6% |
| Participant deferral / active EE | $1,999 | $4,599-56.5% | $3,890-48.6% | $5,983-66.6% |
| Admin fee / account holder | $17,615 | $6,154+186.2% | $4,882+260.8% | $11,248+56.6% |