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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 | $199,109+87.0% | $173,730+114.3% | $154,746+140.6% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.6%+6.1pp | 80.7%+5.0pp |
| Annual return | 20.18% | 20.02%+0.2pp | 19.96%+0.2pp | 172.34%-152.2pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $14,343 | $7,113+101.7% | $6,326+126.7% | $6,730+113.1% |
| Admin fee / account holder | $13,757 | $20,916-34.2% | $17,523-21.5% | $14,365-4.2% |