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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 | $100,194+353.6% | $122,979+269.6% | $86,983+422.5% |
| Participation rate | 87.9% | 73.0%+14.9pp | 77.2%+10.7pp | 69.5%+18.3pp |
| Annual return | 14.65% | 16.47%-1.8pp | 20.12%-5.5pp | 25.83%-11.2pp |
| Employer contribution / active EE | $0 | $2,326-100.0% | $3,062-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $7,450 | $4,133+80.2% | $5,003+48.9% | $4,194+77.6% |
| Admin fee / account holder | $3,680 | $10,148-63.7% | $12,864-71.4% | $7,856-53.2% |