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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 | $295,784 | $96,388+206.9% | $80,627+266.9% | $139,466+112.1% |
| Participation rate | 80.0% | 73.6%+6.4pp | 67.0%+13.0pp | 80.3%-0.3pp |
| Annual return | 20.81% | 1352.08%-1331.3pp | 936.76%-916.0pp | 373.66%-352.9pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,723-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $612 | $5,224-88.3% | $4,443-86.2% | $6,712-90.9% |
| Admin fee / account holder | $1,717 | $6,603-74.0% | $5,381-68.1% | $11,409-85.0% |