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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 | $300,899 | $108,897+176.3% | $100,378+199.8% | $145,877+106.3% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.90% | 58.17%-48.3pp | 49.41%-39.5pp | 551.28%-541.4pp |
| Employer contribution / active EE | $11,922 | $4,420+169.7% | $3,942+202.4% | $4,663+155.7% |
| Participant deferral / active EE | $9,708 | $8,455+14.8% | $8,087+20.0% | $6,691+45.1% |
| Admin fee / account holder | $3,739 | $9,690-61.4% | $7,899-52.7% | $13,402-72.1% |