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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 | $496,819 | $150,447+230.2% | $136,298+264.5% | $147,586+236.6% |
| Participation rate | 80.0% | 84.4%-4.4pp | 81.9%-1.9pp | 82.8%-2.8pp |
| Annual return | 7.45% | 1049.15%-1041.7pp | 5156.27%-5148.8pp | 578.59%-571.1pp |
| Employer contribution / active EE | $11,429 | $5,256+117.4% | $4,696+143.4% | $4,876+134.4% |
| Participant deferral / active EE | $9,600 | $6,631+44.8% | $6,247+53.7% | $5,439+76.5% |
| Admin fee / account holder | $3,670 | $10,906-66.4% | $9,244-60.3% | $10,886-66.3% |