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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 | $595,544 | $157,296+278.6% | $141,191+321.8% | $152,897+289.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.11% | 64.34%-50.2pp | 71.41%-57.3pp | 345.43%-331.3pp |
| Employer contribution / active EE | $13,644 | $5,262+159.3% | $4,736+188.1% | $4,764+186.4% |
| Participant deferral / active EE | $7,388 | $7,111+3.9% | $6,710+10.1% | $5,851+26.3% |
| Admin fee / account holder | $5,017 | $12,125-58.6% | $10,264-51.1% | $11,599-56.7% |