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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 | $576,518 | $227,399+153.5% | $189,758+203.8% | $198,609+190.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 11.59% | 61.03%-49.4pp | 52.62%-41.0pp | 202.70%-191.1pp |
| Employer contribution / active EE | $1,433 | $5,526-74.1% | $4,767-69.9% | $5,055-71.7% |
| Participant deferral / active EE | $5,630 | $6,837-17.7% | $5,856-3.9% | $6,977-19.3% |
| Admin fee / account holder | $19,923 | $25,162-20.8% | $20,388-2.3% | $19,030+4.7% |