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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 | $384,948 | $72,071+434.1% | $68,368+463.1% | $137,256+180.5% |
| Participation rate | 81.8% | 76.2%+5.6pp | 73.8%+8.1pp | 80.0%+1.9pp |
| Annual return | 13.29% | 353.14%-339.9pp | 292.57%-279.3pp | 220.34%-207.1pp |
| Employer contribution / active EE | $479 | $2,788-82.8% | $2,649-81.9% | $4,156-88.5% |
| Participant deferral / active EE | $303 | $4,410-93.1% | $4,123-92.6% | $6,407-95.3% |
| Admin fee / account holder | $14,557 | $5,336+172.8% | $5,150+182.7% | $12,270+18.6% |