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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 | $410,564 | $142,409+188.3% | $119,634+243.2% | $134,545+205.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -22.23% | -12.46%-9.8pp | -14.98%-7.2pp | 418.37%-440.6pp |
| Employer contribution / active EE | $18,276 | $5,224+249.8% | $4,232+331.8% | $4,742+285.4% |
| Participant deferral / active EE | $10,653 | $6,468+64.7% | $5,601+90.2% | $6,401+66.4% |
| Admin fee / account holder | $18,592 | $13,594+36.8% | $10,329+80.0% | $11,431+62.7% |