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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 | $285,713 | $160,070+78.5% | $147,117+94.2% | $145,897+95.8% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 33.31% | 98.69%-65.4pp | 420.54%-387.2pp | 552.29%-519.0pp |
| Employer contribution / active EE | $863 | $5,285-83.7% | $4,932-82.5% | $4,663-81.5% |
| Participant deferral / active EE | $9,302 | $8,419+10.5% | $8,065+15.3% | $6,689+39.1% |
| Admin fee / account holder | $22,560 | $15,035+50.0% | $12,993+73.6% | $13,390+68.5% |