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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 | $252,444 | $135,645+86.1% | $110,243+129.0% | $135,380+86.5% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -7.20% | 513.24%-520.4pp | 314.76%-322.0pp | 519.81%-527.0pp |
| Employer contribution / active EE | $0 | $4,907-100.0% | $3,827-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $15,348 | $5,507+178.7% | $4,672+228.5% | $5,609+173.6% |
| Admin fee / account holder | $731 | $11,458-93.6% | $8,548-91.4% | $10,828-93.2% |