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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $355,317 | $125,778+182.5% | $114,563+210.2% | $154,746+129.6% |
| Participation rate | 87.5% | 75.2%+12.3pp | 72.9%+14.6pp | 80.7%+6.8pp |
| Annual return | 11.36% | 295.14%-283.8pp | 241.09%-229.7pp | 172.34%-161.0pp |
| Employer contribution / active EE | $0 | $2,806-100.0% | $2,592-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,489 | $4,445-66.5% | $4,142-64.1% | $6,730-77.9% |
| Admin fee / account holder | $3,896 | $8,190-52.4% | $7,623-48.9% | $14,365-72.9% |