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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 | $322,262 | $100,203+221.6% | $85,240+278.1% | $145,897+120.9% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 13.49% | 84.28%-70.8pp | 66.75%-53.3pp | 552.29%-538.8pp |
| Employer contribution / active EE | $1,512 | $3,242-53.4% | $2,735-44.7% | $4,663-67.6% |
| Participant deferral / active EE | $281 | $5,299-94.7% | $4,527-93.8% | $6,689-95.8% |
| Admin fee / account holder | $3,010 | $7,265-58.6% | $6,165-51.2% | $13,390-77.5% |