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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 | $347,125 | $213,785+62.4% | $185,441+87.2% | $155,188+123.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 6.06% | 19.97%-13.9pp | 20.16%-14.1pp | 148.84%-142.8pp |
| Employer contribution / active EE | $12,710 | $5,393+135.7% | $4,672+172.0% | $4,248+199.2% |
| Participant deferral / active EE | $31,000 | $6,864+351.6% | $6,152+403.9% | $6,531+374.6% |
| Admin fee / account holder | $1,028 | $21,134-95.1% | $17,890-94.3% | $14,480-92.9% |