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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 | $266,877 | $149,741+78.2% | $118,914+124.4% | $158,982+67.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 5.44% | 19.94%-14.5pp | 35.89%-30.4pp | 302.99%-297.6pp |
| Employer contribution / active EE | $3,367 | $4,119-18.2% | $3,264+3.2% | $4,763-29.3% |
| Participant deferral / active EE | $8,490 | $5,226+62.5% | $4,266+99.0% | $5,983+41.9% |
| Admin fee / account holder | $8,044 | $8,607-6.5% | $6,582+22.2% | $11,252-28.5% |