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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 | $695,405 | $185,856+274.2% | $170,028+309.0% | $139,456+398.7% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 17.78% | 60.52%-42.7pp | 53.39%-35.6pp | 373.45%-355.7pp |
| Employer contribution / active EE | $1,260 | $7,593-83.4% | $6,788-81.4% | $4,753-73.5% |
| Participant deferral / active EE | $30,000 | $11,623+158.1% | $10,409+188.2% | $6,711+347.0% |
| Admin fee / account holder | $354 | $15,387-97.7% | $12,820-97.2% | $11,407-96.9% |