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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 | $251,342 | $167,504+50.1% | $151,628+65.8% | $134,509+86.9% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -19.16% | 7.81%-27.0pp | 3.34%-22.5pp | 418.13%-437.3pp |
| Employer contribution / active EE | $627 | $6,828-90.8% | $6,165-89.8% | $4,741-86.8% |
| Participant deferral / active EE | $13,673 | $8,985+52.2% | $8,363+63.5% | $6,400+113.6% |
| Admin fee / account holder | $941 | $13,779-93.2% | $11,613-91.9% | $11,427-91.8% |