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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 | $331,569 | $175,259+89.2% | $149,723+121.5% | $139,487+137.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 26.02% | 166.82%-140.8pp | 134.50%-108.5pp | 373.84%-347.8pp |
| Employer contribution / active EE | $98 | $5,478-98.2% | $4,821-98.0% | $4,755-97.9% |
| Participant deferral / active EE | $3,332 | $6,522-48.9% | $5,682-41.4% | $6,713-50.4% |
| Admin fee / account holder | $11,784 | $16,158-27.1% | $13,215-10.8% | $11,407+3.3% |