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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 | $289,774 | $183,592+57.8% | $155,574+86.3% | $145,877+98.6% |
| Participation rate | 81.8% | 82.7%-0.9pp | 78.2%+3.6pp | 80.3%+1.5pp |
| Annual return | 12.92% | 61.37%-48.5pp | 64.87%-51.9pp | 551.28%-538.4pp |
| Employer contribution / active EE | $0 | $5,317-100.0% | $4,676-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $20,638 | $6,466+219.2% | $5,629+266.6% | $6,691+208.5% |
| Admin fee / account holder | $4,571 | $19,316-76.3% | $15,914-71.3% | $13,402-65.9% |