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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 | $310,079 | $150,435+106.1% | $120,580+157.2% | $145,897+112.5% |
| Participation rate | 100.0% | 78.8%+21.2pp | 72.0%+28.0pp | 80.3%+19.7pp |
| Annual return | 3.05% | 154.60%-151.6pp | 107.48%-104.4pp | 552.29%-549.2pp |
| Employer contribution / active EE | $11,545 | $4,352+165.3% | $3,469+232.8% | $4,663+147.6% |
| Participant deferral / active EE | $30,598 | $6,174+395.6% | $4,995+512.5% | $6,689+357.4% |
| Admin fee / account holder | $1,346 | $12,182-89.0% | $9,418-85.7% | $13,390-89.9% |