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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 | $283,805 | $174,379+62.8% | $152,093+86.6% | $138,895+104.3% |
| Participation rate | 83.3% | 81.6%+1.7pp | 77.8%+5.6pp | 79.9%+3.4pp |
| Annual return | 15.73% | 74.86%-59.1pp | 66.36%-50.6pp | 145.39%-129.7pp |
| Employer contribution / active EE | $777 | $4,652-83.3% | $4,175-81.4% | $4,194-81.5% |
| Participant deferral / active EE | $8,381 | $6,159+36.1% | $5,451+53.7% | $6,396+31.0% |
| Admin fee / account holder | $1,261 | $16,880-92.5% | $14,497-91.3% | $12,562-90.0% |