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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 | $635,307 | $159,934+297.2% | $147,005+332.2% | $145,959+335.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 6.98% | 98.24%-91.3pp | 418.76%-411.8pp | 561.95%-555.0pp |
| Employer contribution / active EE | $3,858 | $5,287-27.0% | $4,934-21.8% | $4,661-17.2% |
| Participant deferral / active EE | $18,942 | $8,427+124.8% | $8,070+134.7% | $6,689+183.2% |
| Admin fee / account holder | $14,373 | $15,053-4.5% | $13,006+10.5% | $13,398+7.3% |