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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 | $296,605 | $154,228+92.3% | $145,433+103.9% | $137,256+116.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.42% | 74.59%-64.2pp | 66.58%-56.2pp | 220.34%-209.9pp |
| Employer contribution / active EE | $10,341 | $4,804+115.3% | $4,554+127.1% | $4,156+148.8% |
| Participant deferral / active EE | $7,350 | $8,216-10.5% | $7,897-6.9% | $6,407+14.7% |
| Admin fee / account holder | $22,526 | $14,344+57.0% | $13,129+71.6% | $12,270+83.6% |