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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 | $341,473 | $100,203+240.8% | $85,240+300.6% | $145,897+134.1% |
| Participation rate | 80.0% | 74.1%+5.9pp | 67.5%+12.5pp | 80.3%-0.3pp |
| Annual return | 15.32% | 84.28%-69.0pp | 66.75%-51.4pp | 552.29%-537.0pp |
| Employer contribution / active EE | $0 | $3,242-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $612 | $5,299-88.4% | $4,527-86.5% | $6,689-90.9% |
| Admin fee / account holder | $791 | $7,265-89.1% | $6,165-87.2% | $13,390-94.1% |