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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 | $293,134 | $165,399+77.2% | $149,745+95.8% | $158,982+84.4% |
| Participation rate | 76.5% | 84.6%-8.1pp | 82.5%-6.0pp | 82.0%-5.5pp |
| Annual return | 23.28% | 348.34%-325.1pp | 276.72%-253.4pp | 302.99%-279.7pp |
| Employer contribution / active EE | $102 | $5,105-98.0% | $4,646-97.8% | $4,763-97.9% |
| Participant deferral / active EE | $5,792 | $7,183-19.4% | $6,843-15.4% | $5,983-3.2% |
| Admin fee / account holder | $5,620 | $10,811-48.0% | $9,312-39.6% | $11,252-50.1% |