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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 | $254,278 | $154,228+64.9% | $145,433+74.8% | $137,256+85.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 9.22% | 74.59%-65.4pp | 66.58%-57.4pp | 220.34%-211.1pp |
| Employer contribution / active EE | $5,954 | $4,804+23.9% | $4,554+30.7% | $4,156+43.3% |
| Participant deferral / active EE | $17,728 | $8,216+115.8% | $7,897+124.5% | $6,407+176.7% |
| Admin fee / account holder | $264,806 | $14,344+1746.2% | $13,129+1917.0% | $12,270+2058.1% |