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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 | $325,418 | $124,175+162.1% | $108,405+200.2% | $167,536+94.2% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | -9.47% | 1380.13%-1389.6pp | 905.55%-915.0pp | 478.82%-488.3pp |
| Employer contribution / active EE | $1,351 | $4,188-67.7% | $3,559-62.1% | $4,839-72.1% |
| Participant deferral / active EE | $4,900 | $6,908-29.1% | $6,563-25.3% | $6,342-22.7% |
| Admin fee / account holder | $1,409 | $9,457-85.1% | $7,297-80.7% | $12,315-88.6% |