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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 | $438,974 | $159,934+174.5% | $147,005+198.6% | $145,959+200.8% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 16.45% | 98.24%-81.8pp | 418.76%-402.3pp | 561.95%-545.5pp |
| Employer contribution / active EE | $500 | $5,287-90.5% | $4,934-89.9% | $4,661-89.3% |
| Participant deferral / active EE | $3,200 | $8,427-62.0% | $8,070-60.3% | $6,689-52.2% |
| Admin fee / account holder | $54,903 | $15,053+264.7% | $13,006+322.1% | $13,398+309.8% |