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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 | $382,884 | $165,399+131.5% | $149,745+155.7% | $158,982+140.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | -0.06% | 348.34%-348.4pp | 276.72%-276.8pp | 302.99%-303.1pp |
| Employer contribution / active EE | $2,673 | $5,105-47.6% | $4,646-42.5% | $4,763-43.9% |
| Participant deferral / active EE | $8,893 | $7,183+23.8% | $6,843+30.0% | $5,983+48.6% |
| Admin fee / account holder | $3,167 | $10,811-70.7% | $9,312-66.0% | $11,252-71.9% |