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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 | $296,744 | $127,100+133.5% | $105,738+180.6% | $135,382+119.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -8.91% | 4.49%-13.4pp | 6.27%-15.2pp | 519.77%-528.7pp |
| Employer contribution / active EE | $10,287 | $4,107+150.5% | $3,268+214.7% | $4,779+115.3% |
| Participant deferral / active EE | $5,340 | $5,064+5.4% | $4,080+30.9% | $5,609-4.8% |
| Admin fee / account holder | $18,902 | $9,087+108.0% | $6,913+173.4% | $10,829+74.6% |