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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 | $348,862 | $157,304+121.8% | $141,197+147.1% | $152,909+128.1% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 22.02% | 64.34%-42.3pp | 71.41%-49.4pp | 345.46%-323.4pp |
| Employer contribution / active EE | $780 | $5,263-85.2% | $4,736-83.5% | $4,764-83.6% |
| Participant deferral / active EE | $3,967 | $7,111-44.2% | $6,710-40.9% | $5,851-32.2% |
| Admin fee / account holder | $7,245 | $12,126-40.3% | $10,265-29.4% | $11,601-37.5% |