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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 | $369,227 | $87,166+323.6% | $76,735+381.2% | $137,256+169.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 9.25% | 26.50%-17.2pp | 29.77%-20.5pp | 220.34%-211.1pp |
| Employer contribution / active EE | $10,230 | $2,904+252.2% | $2,454+316.8% | $4,156+146.1% |
| Participant deferral / active EE | $22,425 | $4,726+374.5% | $4,088+448.6% | $6,407+250.0% |
| Admin fee / account holder | $14,777 | $8,403+75.8% | $7,189+105.5% | $12,270+20.4% |