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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 | $439,499 | $227,399+93.3% | $189,758+131.6% | $198,609+121.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 18.75% | 61.03%-42.3pp | 52.62%-33.9pp | 202.70%-183.9pp |
| Employer contribution / active EE | $1,482 | $5,526-73.2% | $4,767-68.9% | $5,055-70.7% |
| Participant deferral / active EE | $11,016 | $6,837+61.1% | $5,856+88.1% | $6,977+57.9% |
| Admin fee / account holder | $1,276 | $25,162-94.9% | $20,388-93.7% | $19,030-93.3% |