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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 | $440,230 | $140,592+213.1% | $123,105+257.6% | $125,389+251.1% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | -6.85% | 16.80%-23.6pp | 13.22%-20.1pp | 282.24%-289.1pp |
| Employer contribution / active EE | $13,389 | $6,041+121.6% | $5,151+159.9% | $4,866+175.1% |
| Participant deferral / active EE | $9,079 | $6,980+30.1% | $6,229+45.7% | $5,352+69.7% |
| Admin fee / account holder | $4,363 | $11,198-61.0% | $9,014-51.6% | $9,541-54.3% |