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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 | $258,985 | $110,303+134.8% | $95,759+170.5% | $139,487+85.7% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 13.21% | 27.19%-14.0pp | 28.42%-15.2pp | 373.84%-360.6pp |
| Employer contribution / active EE | $0 | $3,261-100.0% | $2,836-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $1,201 | $4,674-74.3% | $4,244-71.7% | $6,713-82.1% |
| Admin fee / account holder | $4,087 | $6,615-38.2% | $5,678-28.0% | $11,407-64.2% |