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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 | $353,881 | $144,130+145.5% | $117,861+200.3% | $147,586+139.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 10.94% | 531.20%-520.3pp | 335.11%-324.2pp | 578.59%-567.7pp |
| Employer contribution / active EE | $519 | $4,897-89.4% | $3,786-86.3% | $4,876-89.4% |
| Participant deferral / active EE | $11,825 | $5,316+122.4% | $4,482+163.8% | $5,439+117.4% |
| Admin fee / account holder | $12,082 | $10,887+11.0% | $8,021+50.6% | $10,886+11.0% |