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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 | $321,269 | $93,064+245.2% | $74,577+330.8% | $273,972+17.3% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 12.71% | 26.18%-13.5pp | 20.47%-7.8pp | 41.46%-28.7pp |
| Employer contribution / active EE | $36,904 | $3,160+1067.9% | $2,525+1361.4% | $4,869+658.0% |
| Participant deferral / active EE | $0 | $4,160-100.0% | $3,458-100.0% | $5,287-100.0% |
| Admin fee / account holder | $1,814 | $5,273-65.6% | $4,138-56.2% | $10,133-82.1% |