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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 | $107,809+354.2% | $97,032+404.7% | $155,188+215.6% |
| Participation rate | 81.8% | 75.5%+6.3pp | 71.6%+10.3pp | 80.8%+1.0pp |
| Annual return | 16.03% | 38.06%-22.0pp | 35.38%-19.3pp | 148.84%-132.8pp |
| Employer contribution / active EE | $18,051 | $2,911+520.1% | $2,629+586.7% | $4,248+325.0% |
| Participant deferral / active EE | $771 | $5,129-85.0% | $4,672-83.5% | $6,531-88.2% |
| Admin fee / account holder | $6,022 | $10,717-43.8% | $9,418-36.1% | $14,480-58.4% |