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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 | $580,027 | $126,661+357.9% | $113,397+411.5% | $138,895+317.6% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.5%-1.5pp | 79.9%-4.9pp |
| Annual return | 19.19% | 25.05%-5.9pp | 23.20%-4.0pp | 145.39%-126.2pp |
| Employer contribution / active EE | $22,345 | $3,456+546.5% | $2,977+650.5% | $4,194+432.8% |
| Participant deferral / active EE | $0 | $5,693-100.0% | $5,076-100.0% | $6,396-100.0% |
| Admin fee / account holder | $1,629 | $14,549-88.8% | $11,957-86.4% | $12,562-87.0% |