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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 | $508,221 | $159,934+217.8% | $147,005+245.7% | $145,959+248.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.99% | 98.24%-92.3pp | 418.76%-412.8pp | 561.95%-556.0pp |
| Employer contribution / active EE | $3,728 | $5,287-29.5% | $4,934-24.4% | $4,661-20.0% |
| Participant deferral / active EE | $14,625 | $8,427+73.5% | $8,070+81.2% | $6,689+118.7% |
| Admin fee / account holder | $13,791 | $15,053-8.4% | $13,006+6.0% | $13,398+2.9% |