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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 | $387,891 | $225,673+71.9% | $203,872+90.3% | $155,188+149.9% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 3.29% | 95.91%-92.6pp | 85.11%-81.8pp | 148.84%-145.5pp |
| Employer contribution / active EE | $26,018 | $4,099+534.8% | $3,757+592.4% | $4,248+512.5% |
| Participant deferral / active EE | $15,500 | $6,893+124.9% | $6,388+142.7% | $6,531+137.3% |
| Admin fee / account holder | $1,645 | $12,327-86.7% | $11,730-86.0% | $14,480-88.6% |