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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 | $252,954 | $167,353+51.2% | $143,797+75.9% | $134,545+88.0% |
| Participation rate | 87.5% | 84.8%+2.7pp | 80.3%+7.2pp | 81.2%+6.3pp |
| Annual return | -26.30% | 0.48%-26.8pp | -0.04%-26.3pp | 418.37%-444.7pp |
| Employer contribution / active EE | $16,744 | $5,620+197.9% | $4,952+238.1% | $4,742+253.1% |
| Participant deferral / active EE | $9,718 | $6,447+50.7% | $5,638+72.3% | $6,401+51.8% |
| Admin fee / account holder | $4,684 | $18,096-74.1% | $14,679-68.1% | $11,431-59.0% |