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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 | $167,415+246.5% | $140,514+312.8% | $198,609+192.0% |
| Participation rate | 75.0% | 80.9%-5.9pp | 77.8%-2.8pp | 82.4%-7.4pp |
| Annual return | 19.19% | 13.85%+5.3pp | 14.36%+4.8pp | 202.70%-183.5pp |
| Employer contribution / active EE | $22,345 | $4,088+446.7% | $3,378+561.4% | $5,055+342.0% |
| Participant deferral / active EE | $0 | $5,579-100.0% | $4,919-100.0% | $6,977-100.0% |
| Admin fee / account holder | $1,629 | $16,730-90.3% | $13,697-88.1% | $19,030-91.4% |