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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 | $450,282 | $217,427+107.1% | $185,837+142.3% | $167,518+168.8% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.25% | 148.39%-136.1pp | 122.08%-109.8pp | 478.71%-466.5pp |
| Employer contribution / active EE | $606 | $5,874-89.7% | $5,168-88.3% | $4,838-87.5% |
| Participant deferral / active EE | $8,000 | $6,357+25.8% | $5,568+43.7% | $6,342+26.1% |
| Admin fee / account holder | $3,157 | $19,816-84.1% | $16,241-80.6% | $12,312-74.4% |