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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 | $293,091 | $125,190+134.1% | $105,624+177.5% | $145,897+100.9% |
| Participation rate | 83.3% | 77.6%+5.7pp | 75.3%+8.1pp | 80.3%+3.0pp |
| Annual return | 7.81% | 225.22%-217.4pp | 116.20%-108.4pp | 552.29%-544.5pp |
| Employer contribution / active EE | $9,531 | $3,720+156.2% | $3,168+200.9% | $4,663+104.4% |
| Participant deferral / active EE | $15,304 | $5,716+167.7% | $5,013+205.3% | $6,689+128.8% |
| Admin fee / account holder | $23,905 | $17,138+39.5% | $10,961+118.1% | $13,390+78.5% |