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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 | $824,712 | $154,228+434.7% | $145,433+467.1% | $137,256+500.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.84% | 74.59%-63.7pp | 66.58%-55.7pp | 220.34%-209.5pp |
| Employer contribution / active EE | $6,850 | $4,804+42.6% | $4,554+50.4% | $4,156+64.8% |
| Participant deferral / active EE | $13,700 | $8,216+66.7% | $7,897+73.5% | $6,407+113.8% |
| Admin fee / account holder | $6,663 | $14,344-53.6% | $13,129-49.3% | $12,270-45.7% |