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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 | $269,106 | $140,592+91.4% | $123,105+118.6% | $125,389+114.6% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | 0.18% | 16.80%-16.6pp | 13.22%-13.0pp | 282.24%-282.1pp |
| Employer contribution / active EE | $993 | $6,041-83.6% | $5,151-80.7% | $4,866-79.6% |
| Participant deferral / active EE | $3,600 | $6,980-48.4% | $6,229-42.2% | $5,352-32.7% |
| Admin fee / account holder | $15,015 | $11,198+34.1% | $9,014+66.6% | $9,541+57.4% |