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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 | $372,307 | $213,785+74.2% | $185,441+100.8% | $155,188+139.9% |
| Participation rate | 85.7% | 83.2%+2.5pp | 80.3%+5.5pp | 80.8%+4.9pp |
| Annual return | 20.18% | 19.97%+0.2pp | 20.16%0pp | 148.84%-128.7pp |
| Employer contribution / active EE | $0 | $5,393-100.0% | $4,672-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $14,343 | $6,864+109.0% | $6,152+133.2% | $6,531+119.6% |
| Admin fee / account holder | $13,757 | $21,134-34.9% | $17,890-23.1% | $14,480-5.0% |