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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 | $348,058 | $136,860+154.3% | $120,344+189.2% | $154,746+124.9% |
| Participation rate | 71.4% | 79.9%-8.5pp | 76.7%-5.3pp | 80.7%-9.3pp |
| Annual return | 14.70% | 21.38%-6.7pp | 20.30%-5.6pp | 172.34%-157.6pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $7,622 | $5,793+31.6% | $5,135+48.4% | $6,730+13.2% |
| Admin fee / account holder | $6,178 | $15,393-59.9% | $12,742-51.5% | $14,365-57.0% |