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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 | $251,451 | $148,623+69.2% | $135,974+84.9% | $139,466+80.3% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 32.95% | 79.30%-46.3pp | 68.30%-35.4pp | 373.66%-340.7pp |
| Employer contribution / active EE | $913 | $5,246-82.6% | $4,859-81.2% | $4,754-80.8% |
| Participant deferral / active EE | $9,808 | $8,103+21.1% | $7,760+26.4% | $6,712+46.1% |
| Admin fee / account holder | $2,766 | $12,406-77.7% | $10,767-74.3% | $11,409-75.8% |