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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 | $300,600 | $94,749+217.3% | $112,899+166.3% | $139,466+115.5% |
| Participation rate | 71.4% | 81.3%-9.8pp | 80.5%-9.1pp | 80.3%-8.9pp |
| Annual return | 16.00% | 40.92%-24.9pp | 34.11%-18.1pp | 373.66%-357.7pp |
| Employer contribution / active EE | $784 | $4,630-83.1% | $4,566-82.8% | $4,754-83.5% |
| Participant deferral / active EE | $2,900 | $6,517-55.5% | $6,516-55.5% | $6,712-56.8% |
| Admin fee / account holder | $6,988 | $8,530-18.1% | $7,047-0.8% | $11,409-38.7% |