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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 | $345,056 | $183,539+88.0% | $155,556+121.8% | $145,897+136.5% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 9.13% | 61.31%-52.2pp | 64.84%-55.7pp | 552.29%-543.2pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,696 | $6,467-11.9% | $5,631+1.2% | $6,689-14.8% |
| Admin fee / account holder | $3,247 | $19,275-83.2% | $15,885-79.6% | $13,390-75.8% |