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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 | $286,668 | $177,156+61.8% | $147,027+95.0% | $154,746+85.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 16.37% | 21.94%-5.6pp | 20.23%-3.9pp | 172.34%-156.0pp |
| Employer contribution / active EE | $405 | $4,336-90.7% | $3,626-88.8% | $4,379-90.8% |
| Participant deferral / active EE | $12,418 | $5,797+114.2% | $4,933+151.7% | $6,730+84.5% |
| Admin fee / account holder | $9,703 | $14,904-34.9% | $12,223-20.6% | $14,365-32.5% |