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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 | $508,649 | $176,077+188.9% | $159,455+219.0% | $167,518+203.6% |
| Participation rate | 92.3% | 84.9%+7.4pp | 82.8%+9.5pp | 82.1%+10.2pp |
| Annual return | 12.72% | 331.83%-319.1pp | 263.63%-250.9pp | 478.71%-466.0pp |
| Employer contribution / active EE | $4,865 | $5,298-8.2% | $4,830+0.7% | $4,838+0.5% |
| Participant deferral / active EE | $1,553 | $7,751-80.0% | $7,353-78.9% | $6,342-75.5% |
| Admin fee / account holder | $4,158 | $12,556-66.9% | $10,800-61.5% | $12,312-66.2% |