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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 | $258,877 | $93,064+178.2% | $74,577+247.1% | $273,972-5.5% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 1.87% | 26.18%-24.3pp | 20.47%-18.6pp | 41.46%-39.6pp |
| Employer contribution / active EE | $13,464 | $3,160+326.1% | $2,525+433.2% | $4,869+176.5% |
| Participant deferral / active EE | $1,634 | $4,160-60.7% | $3,458-52.8% | $5,287-69.1% |
| Admin fee / account holder | $2,696 | $5,273-48.9% | $4,138-34.9% | $10,133-73.4% |