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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 | $297,503 | $288,797+3.0% | $239,577+24.2% | $382,429-22.2% |
| Participation rate | 92.3% | 85.8%+6.5pp | 82.1%+10.2pp | 87.7%+4.6pp |
| Annual return | 14.21% | -3.30%+17.5pp | -0.70%+14.9pp | 248.85%-234.6pp |
| Employer contribution / active EE | $3,426 | $8,558-60.0% | $7,232-52.6% | $8,036-57.4% |
| Participant deferral / active EE | $10,211 | $6,420+59.1% | $5,676+79.9% | $5,727+78.3% |
| Admin fee / account holder | $2,819 | $18,649-84.9% | $19,315-85.4% | $30,732-90.8% |