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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 | $269,076 | $148,629+81.0% | $135,982+97.9% | $139,487+92.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | -7.18% | 79.33%-86.5pp | 68.32%-75.5pp | 373.84%-381.0pp |
| Employer contribution / active EE | $6,483 | $5,247+23.6% | $4,859+33.4% | $4,755+36.4% |
| Participant deferral / active EE | $10,628 | $8,102+31.2% | $7,760+37.0% | $6,713+58.3% |
| Admin fee / account holder | $2,340 | $12,406-81.1% | $10,767-78.3% | $11,407-79.5% |