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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 | $495,347 | $165,381+199.5% | $149,730+230.8% | $158,966+211.6% |
| Participation rate | 77.8% | 84.6%-6.8pp | 82.5%-4.7pp | 82.0%-4.2pp |
| Annual return | 10.51% | 348.29%-337.8pp | 276.70%-266.2pp | 302.95%-292.4pp |
| Employer contribution / active EE | $16 | $5,104-99.7% | $4,645-99.7% | $4,762-99.7% |
| Participant deferral / active EE | $14,415 | $7,182+100.7% | $6,843+110.7% | $5,983+140.9% |
| Admin fee / account holder | $3,389 | $10,809-68.6% | $9,310-63.6% | $11,250-69.9% |