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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 | $472,199 | $100,147+371.5% | $81,286+480.9% | $145,877+223.7% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.5%+5.5pp | 80.3%-5.3pp |
| Annual return | 13.83% | 34.44%-20.6pp | 24.80%-11.0pp | 551.28%-537.5pp |
| Employer contribution / active EE | $255 | $2,977-91.4% | $2,463-89.7% | $4,663-94.5% |
| Participant deferral / active EE | $1,237 | $4,607-73.1% | $3,883-68.1% | $6,691-81.5% |
| Admin fee / account holder | $52,548 | $8,201+540.8% | $5,764+811.7% | $13,402+292.1% |