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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 | $1,247,665 | $167,533+644.7% | $151,645+722.8% | $134,545+827.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -52.39% | 7.81%-60.2pp | 3.34%-55.7pp | 418.37%-470.8pp |
| Employer contribution / active EE | $3,581 | $6,828-47.6% | $6,165-41.9% | $4,742-24.5% |
| Participant deferral / active EE | $21,400 | $8,985+138.2% | $8,363+155.9% | $6,401+234.3% |
| Admin fee / account holder | $70,119 | $13,781+408.8% | $11,614+503.8% | $11,431+513.4% |