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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 | $641,557 | $160,070+300.8% | $147,117+336.1% | $145,897+339.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.18% | 98.69%-90.5pp | 420.54%-412.4pp | 552.29%-544.1pp |
| Employer contribution / active EE | $27,733 | $5,285+424.8% | $4,932+462.3% | $4,663+494.8% |
| Participant deferral / active EE | $14,568 | $8,419+73.0% | $8,065+80.6% | $6,689+117.8% |
| Admin fee / account holder | $4,414 | $15,035-70.6% | $12,993-66.0% | $13,390-67.0% |