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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 | $641,404 | $227,633+181.8% | $189,597+238.3% | $167,553+282.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 20.84% | 78.45%-57.6pp | 64.20%-43.4pp | 478.89%-458.1pp |
| Employer contribution / active EE | $0 | $5,317-100.0% | $4,412-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $16,250 | $7,003+132.0% | $6,174+163.2% | $6,343+156.2% |
| Admin fee / account holder | $4,942 | $11,879-58.4% | $9,807-49.6% | $12,316-59.9% |