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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 | $269,564 | $124,330+116.8% | $109,173+146.9% | $167,536+60.9% |
| Participation rate | 71.4% | 79.5%-8.0pp | 75.9%-4.5pp | 82.1%-10.7pp |
| Annual return | 11.77% | 26.04%-14.3pp | 25.75%-14.0pp | 478.82%-467.0pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $9,731 | $5,256+85.1% | $4,654+109.1% | $6,342+53.4% |
| Admin fee / account holder | $586 | $7,974-92.6% | $6,755-91.3% | $12,315-95.2% |