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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 | $395,428 | $161,352+145.1% | $134,172+194.7% | $137,256+188.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 17.33% | 28.72%-11.4pp | 25.30%-8.0pp | 220.34%-203.0pp |
| Employer contribution / active EE | $0 | $4,099-100.0% | $3,420-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $13,002 | $5,552+134.2% | $4,690+177.2% | $6,407+102.9% |
| Admin fee / account holder | $3,775 | $15,028-74.9% | $12,016-68.6% | $12,270-69.2% |