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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 | $176,077+50.4% | $159,455+66.1% | $167,518+58.1% |
| Participation rate | 80.0% | 84.9%-4.9pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 11.18% | 331.83%-320.7pp | 263.63%-252.4pp | 478.71%-467.5pp |
| Employer contribution / active EE | $0 | $5,298-100.0% | $4,830-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $8,893 | $7,751+14.7% | $7,353+20.9% | $6,342+40.2% |
| Admin fee / account holder | $9,312 | $12,556-25.8% | $10,800-13.8% | $12,312-24.4% |