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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 | $369,744 | $175,231+111.0% | $149,696+147.0% | $139,466+165.1% |
| Participation rate | 83.3% | 83.4%-0.1pp | 78.8%+4.6pp | 80.3%+3.0pp |
| Annual return | 22.58% | 166.77%-144.2pp | 134.46%-111.9pp | 373.66%-351.1pp |
| Employer contribution / active EE | $984 | $5,478-82.0% | $4,821-79.6% | $4,754-79.3% |
| Participant deferral / active EE | $6,029 | $6,521-7.6% | $5,682+6.1% | $6,712-10.2% |
| Admin fee / account holder | $4,824 | $16,155-70.1% | $13,212-63.5% | $11,409-57.7% |