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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 | $1,460,550 | $175,259+733.4% | $149,723+875.5% | $139,487+947.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 15.40% | 166.82%-151.4pp | 134.50%-119.1pp | 373.84%-358.4pp |
| Employer contribution / active EE | $1,010 | $5,478-81.6% | $4,821-79.1% | $4,755-78.8% |
| Participant deferral / active EE | $13,350 | $6,522+104.7% | $5,682+134.9% | $6,713+98.9% |
| Admin fee / account holder | $13,062 | $16,158-19.2% | $13,215-1.2% | $11,407+14.5% |