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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 | $303,772 | $127,298+138.6% | $109,916+176.4% | $167,553+81.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 35.28% | 22.97%+12.3pp | 29.46%+5.8pp | 478.89%-443.6pp |
| Employer contribution / active EE | $0 | $3,325-100.0% | $2,844-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $4,632 | $4,513+2.6% | $4,047+14.5% | $6,343-27.0% |
| Admin fee / account holder | $7,346 | $7,119+3.2% | $6,069+21.0% | $12,316-40.4% |