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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 | $381,948 | $105,158+263.2% | $94,672+303.4% | $139,487+173.8% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 7.07% | 38.11%-31.0pp | 156.89%-149.8pp | 373.84%-366.8pp |
| Employer contribution / active EE | $8,216 | $4,107+100.0% | $3,673+123.7% | $4,755+72.8% |
| Participant deferral / active EE | $21,562 | $7,599+183.7% | $7,417+190.7% | $6,713+221.2% |
| Admin fee / account holder | $774 | $8,972-91.4% | $7,222-89.3% | $11,407-93.2% |