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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 | $344,376 | $198,461+73.5% | $170,436+102.1% | $147,585+133.3% |
| Participation rate | 84.6% | 88.0%-3.4pp | 83.6%+1.0pp | 82.8%+1.8pp |
| Annual return | 14.76% | 257.30%-242.5pp | 205.94%-191.2pp | 578.57%-563.8pp |
| Employer contribution / active EE | $0 | $6,184-100.0% | $5,433-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $8,679 | $5,629+54.2% | $4,939+75.7% | $5,439+59.6% |
| Admin fee / account holder | $139,056 | $16,852+725.2% | $13,880+901.8% | $10,885+1177.4% |