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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 | $560,287 | $162,136+245.6% | $152,301+267.9% | $154,746+262.1% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 10.26% | 91.02%-80.8pp | 80.50%-70.2pp | 172.34%-162.1pp |
| Employer contribution / active EE | $3,066 | $4,890-37.3% | $4,624-33.7% | $4,379-30.0% |
| Participant deferral / active EE | $10,862 | $8,341+30.2% | $8,004+35.7% | $6,730+61.4% |
| Admin fee / account holder | $1,782 | $15,759-88.7% | $14,398-87.6% | $14,365-87.6% |