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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 | $852,776 | $126,661+573.3% | $113,397+652.0% | $138,895+514.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 13.59% | 25.05%-11.5pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $762 | $3,456-77.9% | $2,977-74.4% | $4,194-81.8% |
| Participant deferral / active EE | $0 | $5,693-100.0% | $5,076-100.0% | $6,396-100.0% |
| Admin fee / account holder | $51,540 | $14,549+254.2% | $11,957+331.1% | $12,562+310.3% |