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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 | $371,972 | $185,312+100.7% | $161,489+130.3% | $154,746+140.4% |
| Participation rate | 73.7% | 82.5%-8.8pp | 78.7%-5.0pp | 80.7%-7.0pp |
| Annual return | 10.02% | 103.84%-93.8pp | 89.72%-79.7pp | 172.34%-162.3pp |
| Employer contribution / active EE | $6,373 | $4,769+33.6% | $4,268+49.3% | $4,379+45.5% |
| Participant deferral / active EE | $7,427 | $6,350+17.0% | $5,630+31.9% | $6,730+10.4% |
| Admin fee / account holder | $3,297 | $18,654-82.3% | $16,006-79.4% | $14,365-77.0% |