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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 | $420,165 | $154,228+172.4% | $145,433+188.9% | $137,256+206.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.78% | 74.59%-62.8pp | 66.58%-54.8pp | 220.34%-208.6pp |
| Employer contribution / active EE | $8,870 | $4,804+84.6% | $4,554+94.7% | $4,156+113.4% |
| Participant deferral / active EE | $8,350 | $8,216+1.6% | $7,897+5.7% | $6,407+30.3% |
| Admin fee / account holder | $4,318 | $14,344-69.9% | $13,129-67.1% | $12,270-64.8% |