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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 | $396,616 | $167,362+137.0% | $143,799+175.8% | $134,532+194.8% |
| Participation rate | 90.9% | 84.8%+6.1pp | 80.3%+10.6pp | 81.2%+9.7pp |
| Annual return | -21.41% | 0.47%-21.9pp | -0.04%-21.4pp | 418.27%-439.7pp |
| Employer contribution / active EE | $3,682 | $5,620-34.5% | $4,952-25.7% | $4,741-22.3% |
| Participant deferral / active EE | $7,623 | $6,447+18.2% | $5,638+35.2% | $6,401+19.1% |
| Admin fee / account holder | $3,737 | $18,094-79.3% | $14,677-74.5% | $11,429-67.3% |