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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 | $505,060 | $167,353+201.8% | $143,797+251.2% | $134,545+275.4% |
| Participation rate | 90.9% | 84.8%+6.1pp | 80.3%+10.6pp | 81.2%+9.7pp |
| Annual return | -21.84% | 0.48%-22.3pp | -0.04%-21.8pp | 418.37%-440.2pp |
| Employer contribution / active EE | $10,123 | $5,620+80.1% | $4,952+104.4% | $4,742+113.5% |
| Participant deferral / active EE | $8,363 | $6,447+29.7% | $5,638+48.3% | $6,401+30.7% |
| Admin fee / account holder | $767,789 | $18,096+4142.9% | $14,679+5130.5% | $11,431+6616.9% |