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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 | $511,578 | $157,296+225.2% | $141,191+262.3% | $152,897+234.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 15.03% | 64.34%-49.3pp | 71.41%-56.4pp | 345.43%-330.4pp |
| Employer contribution / active EE | $0 | $5,262-100.0% | $4,736-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $17,400 | $7,111+144.7% | $6,710+159.3% | $5,851+197.4% |
| Admin fee / account holder | $24,113 | $12,125+98.9% | $10,264+134.9% | $11,599+107.9% |