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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 | $464,167 | $157,296+195.1% | $141,191+228.8% | $152,897+203.6% |
| Participation rate | 88.9% | 84.8%+4.1pp | 82.5%+6.4pp | 82.5%+6.4pp |
| Annual return | 22.06% | 64.34%-42.3pp | 71.41%-49.4pp | 345.43%-323.4pp |
| Employer contribution / active EE | $590 | $5,262-88.8% | $4,736-87.5% | $4,764-87.6% |
| Participant deferral / active EE | $8,937 | $7,111+25.7% | $6,710+33.2% | $5,851+52.7% |
| Admin fee / account holder | $97,417 | $12,125+703.5% | $10,264+849.1% | $11,599+739.8% |