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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 | $878,752 | $175,212+401.5% | $149,682+487.1% | $139,427+530.3% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 17.23% | 166.63%-149.4pp | 134.35%-117.1pp | 373.27%-356.0pp |
| Employer contribution / active EE | $15,480 | $5,475+182.7% | $4,818+221.3% | $4,752+225.8% |
| Participant deferral / active EE | $0 | $6,520-100.0% | $5,681-100.0% | $6,711-100.0% |
| Admin fee / account holder | $11,058 | $16,150-31.5% | $13,210-16.3% | $11,404-3.0% |