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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 | $177,353+100.3% | $158,226+124.6% | $198,609+78.9% |
| Participation rate | 87.5% | 77.0%+10.5pp | 74.8%+12.7pp | 82.4%+5.1pp |
| Annual return | 11.36% | 599.50%-588.1pp | 501.41%-490.1pp | 202.70%-191.3pp |
| Employer contribution / active EE | $0 | $3,239-100.0% | $2,986-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $1,489 | $4,615-67.7% | $4,317-65.5% | $6,977-78.7% |
| Admin fee / account holder | $3,896 | $10,960-64.5% | $10,217-61.9% | $19,030-79.5% |