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Participant 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 | $291,517 | $124,425+134.3% | $112,040+160.2% | $137,256+112.4% |
| Participation rate | 90.0% | 79.3%+10.7pp | 76.5%+13.5pp | 80.0%+10.0pp |
| Annual return | 15.44% | 24.72%-9.3pp | 24.52%-9.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $10,899 | $3,411+219.5% | $2,954+269.0% | $4,156+162.2% |
| Participant deferral / active EE | $1,066 | $5,718-81.4% | $5,098-79.1% | $6,407-83.4% |
| Admin fee / account holder | $611 | $15,207-96.0% | $12,098-95.0% | $12,270-95.0% |