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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 | $264,834 | $176,105+50.4% | $159,474+66.1% | $167,536+58.1% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 11.18% | 331.91%-320.7pp | 263.68%-252.5pp | 478.82%-467.6pp |
| Employer contribution / active EE | $0 | $5,299-100.0% | $4,831-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $8,893 | $7,751+14.7% | $7,353+20.9% | $6,342+40.2% |
| Admin fee / account holder | $9,312 | $12,559-25.9% | $10,802-13.8% | $12,315-24.4% |