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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 | $351,867 | $209,336+68.1% | $197,124+78.5% | $137,256+156.4% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 9.96% | 48.09%-38.1pp | 44.34%-34.4pp | 220.34%-210.4pp |
| Employer contribution / active EE | $11,008 | $6,591+67.0% | $6,227+76.8% | $4,156+164.9% |
| Participant deferral / active EE | $11,847 | $9,614+23.2% | $9,135+29.7% | $6,407+84.9% |
| Admin fee / account holder | $40,010 | $17,308+131.2% | $16,298+145.5% | $12,270+226.1% |