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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 | $358,072 | $183,516+95.1% | $155,534+130.2% | $145,884+145.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.85% | 61.43%-51.6pp | 64.92%-55.1pp | 551.85%-542.0pp |
| Employer contribution / active EE | $9 | $5,315-99.8% | $4,675-99.8% | $4,662-99.8% |
| Participant deferral / active EE | $7,804 | $6,467+20.7% | $5,630+38.6% | $6,690+16.7% |
| Admin fee / account holder | $9,148 | $19,293-52.6% | $15,900-42.5% | $13,392-31.7% |