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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 | $126,113+181.7% | $116,096+206.1% | $155,188+129.0% |
| Participation rate | 87.5% | 75.1%+12.4pp | 73.3%+14.2pp | 80.8%+6.7pp |
| Annual return | 11.36% | 391.72%-380.4pp | 326.25%-314.9pp | 148.84%-137.5pp |
| Employer contribution / active EE | $0 | $2,672-100.0% | $2,503-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,489 | $4,162-64.2% | $3,952-62.3% | $6,531-77.2% |
| Admin fee / account holder | $3,896 | $8,045-51.6% | $7,704-49.4% | $14,480-73.1% |