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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 | $293,470 | $198,462+47.9% | $170,439+72.2% | $147,585+98.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.95% | 257.30%-238.4pp | 205.94%-187.0pp | 578.58%-559.6pp |
| Employer contribution / active EE | $728 | $6,184-88.2% | $5,433-86.6% | $4,876-85.1% |
| Participant deferral / active EE | $6,272 | $5,629+11.4% | $4,939+27.0% | $5,439+15.3% |
| Admin fee / account holder | $8,628 | $16,852-48.8% | $13,881-37.8% | $10,886-20.7% |