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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 | $697,291 | $197,637+252.8% | $177,848+292.1% | $158,982+338.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 23.64% | 58.77%-35.1pp | 48.33%-24.7pp | 302.99%-279.4pp |
| Employer contribution / active EE | $941 | $6,698-85.9% | $5,919-84.1% | $4,763-80.2% |
| Participant deferral / active EE | $10,838 | $8,405+29.0% | $7,714+40.5% | $5,983+81.1% |
| Admin fee / account holder | $9,322 | $15,406-39.5% | $12,431-25.0% | $11,252-17.2% |