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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 | $422,218 | $167,522+152.0% | $151,639+178.4% | $134,532+213.8% |
| Participation rate | 95.2% | 88.4%+6.9pp | 87.5%+7.7pp | 81.2%+14.0pp |
| Annual return | -17.73% | 7.81%-25.5pp | 3.34%-21.1pp | 418.27%-436.0pp |
| Employer contribution / active EE | $0 | $6,828-100.0% | $6,165-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $18,387 | $8,986+104.6% | $8,363+119.9% | $6,401+187.3% |
| Admin fee / account holder | $71,990 | $13,780+422.4% | $11,613+519.9% | $11,429+529.9% |