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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 | $286,022 | $167,353+70.9% | $143,797+98.9% | $134,545+112.6% |
| Participation rate | 87.5% | 84.8%+2.7pp | 80.3%+7.2pp | 81.2%+6.3pp |
| Annual return | -27.29% | 0.48%-27.8pp | -0.04%-27.3pp | 418.37%-445.7pp |
| Employer contribution / active EE | $2,919 | $5,620-48.1% | $4,952-41.1% | $4,742-38.4% |
| Participant deferral / active EE | $7,000 | $6,447+8.6% | $5,638+24.2% | $6,401+9.4% |
| Admin fee / account holder | $2,726 | $18,096-84.9% | $14,679-81.4% | $11,431-76.2% |