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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 | $708,012 | $142,409+397.2% | $119,634+491.8% | $134,545+426.2% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.3%+6.4pp | 81.2%+4.5pp |
| Annual return | -20.87% | -12.46%-8.4pp | -14.98%-5.9pp | 418.37%-439.2pp |
| Employer contribution / active EE | $2,822 | $5,224-46.0% | $4,232-33.3% | $4,742-40.5% |
| Participant deferral / active EE | $15,429 | $6,468+138.5% | $5,601+175.5% | $6,401+141.0% |
| Admin fee / account holder | $18,639 | $13,594+37.1% | $10,329+80.4% | $11,431+63.1% |