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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 | $311,805 | $183,539+69.9% | $155,556+100.4% | $145,897+113.7% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 19.34% | 61.31%-42.0pp | 64.84%-45.5pp | 552.29%-532.9pp |
| Employer contribution / active EE | $313 | $5,315-94.1% | $4,675-93.3% | $4,663-93.3% |
| Participant deferral / active EE | $8,541 | $6,467+32.1% | $5,631+51.7% | $6,689+27.7% |
| Admin fee / account holder | $12,465 | $19,275-35.3% | $15,885-21.5% | $13,390-6.9% |