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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 | $334,106 | $165,399+102.0% | $149,745+123.1% | $158,982+110.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 21.09% | 348.34%-327.2pp | 276.72%-255.6pp | 302.99%-281.9pp |
| Employer contribution / active EE | $833 | $5,105-83.7% | $4,646-82.1% | $4,763-82.5% |
| Participant deferral / active EE | $8,963 | $7,183+24.8% | $6,843+31.0% | $5,983+49.8% |
| Admin fee / account holder | $3,559 | $10,811-67.1% | $9,312-61.8% | $11,252-68.4% |