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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 | $338,503 | $209,422+61.6% | $178,503+89.6% | $158,982+112.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 15.36% | 188.81%-173.4pp | 151.12%-135.8pp | 302.99%-287.6pp |
| Employer contribution / active EE | $992 | $5,707-82.6% | $5,011-80.2% | $4,763-79.2% |
| Participant deferral / active EE | $5,200 | $5,955-12.7% | $5,2020% | $5,983-13.1% |
| Admin fee / account holder | $415 | $17,079-97.6% | $13,987-97.0% | $11,252-96.3% |