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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 | $324,886 | $183,516+77.0% | $155,534+108.9% | $145,884+122.7% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 10.17% | 61.43%-51.3pp | 64.92%-54.7pp | 551.85%-541.7pp |
| Employer contribution / active EE | $4,915 | $5,315-7.5% | $4,675+5.1% | $4,662+5.4% |
| Participant deferral / active EE | $1,527 | $6,467-76.4% | $5,630-72.9% | $6,690-77.2% |
| Admin fee / account holder | $8,879 | $19,293-54.0% | $15,900-44.2% | $13,392-33.7% |