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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 | $287,156 | $148,623+93.2% | $135,974+111.2% | $139,466+105.9% |
| Participation rate | 94.7% | 83.9%+10.9pp | 81.9%+12.8pp | 80.3%+14.4pp |
| Annual return | 15.92% | 79.30%-63.4pp | 68.30%-52.4pp | 373.66%-357.7pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $7,924 | $8,103-2.2% | $7,760+2.1% | $6,712+18.1% |
| Admin fee / account holder | $1,776 | $12,406-85.7% | $10,767-83.5% | $11,409-84.4% |