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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 | $841,958 | $201,264+318.3% | $184,185+357.1% | $145,978+476.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 16.51% | 29.00%-12.5pp | 28.81%-12.3pp | 550.52%-534.0pp |
| Employer contribution / active EE | $1,260 | $7,021-82.1% | $6,426-80.4% | $4,662-73.0% |
| Participant deferral / active EE | $30,500 | $9,806+211.0% | $9,132+234.0% | $6,690+355.9% |
| Admin fee / account holder | $385 | $16,376-97.6% | $13,909-97.2% | $13,400-97.1% |