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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 | $1,034,780 | $212,386+387.2% | $199,883+417.7% | $138,895+645.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 19.07% | 47.75%-28.7pp | 43.81%-24.7pp | 145.39%-126.3pp |
| Employer contribution / active EE | $1,260 | $6,625-81.0% | $6,261-79.9% | $4,194-70.0% |
| Participant deferral / active EE | $31,000 | $9,617+222.3% | $9,138+239.2% | $6,396+384.7% |
| Admin fee / account holder | $463 | $18,233-97.5% | $17,268-97.3% | $12,562-96.3% |