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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 | $287,236 | $124,425+130.9% | $112,040+156.4% | $137,256+109.3% |
| Participation rate | 75.0% | 79.3%-4.3pp | 76.5%-1.5pp | 80.0%-5.0pp |
| Annual return | 7.77% | 24.72%-16.9pp | 24.52%-16.7pp | 220.34%-212.6pp |
| Employer contribution / active EE | $22,166 | $3,411+549.8% | $2,954+650.4% | $4,156+433.3% |
| Participant deferral / active EE | $4,967 | $5,718-13.1% | $5,098-2.6% | $6,407-22.5% |
| Admin fee / account holder | $10,443 | $15,207-31.3% | $12,098-13.7% | $12,270-14.9% |