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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 | $407,782 | $178,174+128.9% | $156,181+161.1% | $137,256+197.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 18.56% | 84.19%-65.6pp | 64.87%-46.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $768 | $4,972-84.5% | $4,294-82.1% | $4,156-81.5% |
| Participant deferral / active EE | $10,535 | $6,888+53.0% | $6,132+71.8% | $6,407+64.4% |
| Admin fee / account holder | $1,892 | $17,404-89.1% | $14,586-87.0% | $12,270-84.6% |