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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 | $339,044 | $88,702+282.2% | $81,780+314.6% | $145,978+132.3% |
| Participation rate | 90.9% | 75.0%+15.9pp | 72.4%+18.5pp | 80.3%+10.6pp |
| Annual return | 22.24% | 1029.12%-1006.9pp | 776.27%-754.0pp | 550.52%-528.3pp |
| Employer contribution / active EE | $479 | $3,084-84.5% | $2,914-83.5% | $4,662-89.7% |
| Participant deferral / active EE | $479 | $4,645-89.7% | $4,321-88.9% | $6,690-92.8% |
| Admin fee / account holder | $19,208 | $8,414+128.3% | $7,384+160.1% | $13,400+43.3% |