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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 | $649,819 | $254,759+155.1% | $216,567+200.1% | $198,609+227.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 8.13% | 10.04%-1.9pp | 12.94%-4.8pp | 202.70%-194.6pp |
| Employer contribution / active EE | $2,055 | $6,096-66.3% | $5,216-60.6% | $5,055-59.4% |
| Participant deferral / active EE | $2,574 | $6,948-63.0% | $6,191-58.4% | $6,977-63.1% |
| Admin fee / account holder | $16,365 | $26,311-37.8% | $21,981-25.5% | $19,030-14.0% |