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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 | $454,523 | $97,550+365.9% | $120,344+277.7% | $87,485+419.5% |
| Participation rate | 87.9% | 72.8%+15.1pp | 76.7%+11.2pp | 68.9%+18.9pp |
| Annual return | 14.65% | 18.41%-3.8pp | 20.30%-5.6pp | 26.06%-11.4pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $7,450 | $4,230+76.1% | $5,135+45.1% | $4,274+74.3% |
| Admin fee / account holder | $3,680 | $9,543-61.4% | $12,742-71.1% | $7,775-52.7% |