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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 | $266,523 | $99,011+169.2% | $86,582+207.8% | $147,586+80.6% |
| Participation rate | 92.3% | 76.3%+16.0pp | 73.5%+18.8pp | 82.8%+9.5pp |
| Annual return | 16.12% | 1312.75%-1296.6pp | 965.08%-949.0pp | 578.59%-562.5pp |
| Employer contribution / active EE | $0 | $3,132-100.0% | $2,839-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $10,066 | $3,972+153.4% | $3,609+178.9% | $5,439+85.1% |
| Admin fee / account holder | $54,422 | $5,709+853.3% | $4,904+1009.7% | $10,886+399.9% |