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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 | $489,712 | $108,882+349.8% | $96,754+406.1% | $154,746+216.5% |
| Participation rate | 81.8% | 75.1%+6.7pp | 70.3%+11.5pp | 80.7%+1.1pp |
| Annual return | 16.03% | 98.39%-82.4pp | 82.04%-66.0pp | 172.34%-156.3pp |
| Employer contribution / active EE | $18,051 | $3,018+498.1% | $2,679+573.7% | $4,379+312.2% |
| Participant deferral / active EE | $771 | $5,323-85.5% | $4,758-83.8% | $6,730-88.5% |
| Admin fee / account holder | $6,022 | $10,200-41.0% | $8,905-32.4% | $14,365-58.1% |