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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 | $573,628 | $88,754+546.3% | $81,820+601.1% | $145,877+293.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.05% | 1031.77%-1022.7pp | 777.93%-768.9pp | 551.28%-542.2pp |
| Employer contribution / active EE | $18,801 | $3,085+509.4% | $2,915+545.0% | $4,663+303.2% |
| Participant deferral / active EE | $13,272 | $4,648+185.6% | $4,323+207.0% | $6,691+98.4% |
| Admin fee / account holder | $3,747 | $8,424-55.5% | $7,391-49.3% | $13,402-72.0% |