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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 | $88,778+281.9% | $81,844+314.3% | $145,884+132.4% |
| Participation rate | 90.9% | 75.1%+15.8pp | 72.4%+18.5pp | 80.3%+10.6pp |
| Annual return | 22.24% | 1033.03%-1010.8pp | 778.87%-756.6pp | 551.85%-529.6pp |
| Employer contribution / active EE | $479 | $3,087-84.5% | $2,916-83.6% | $4,662-89.7% |
| Participant deferral / active EE | $479 | $4,648-89.7% | $4,323-88.9% | $6,690-92.8% |
| Admin fee / account holder | $19,208 | $8,430+127.8% | $7,355+161.1% | $13,392+43.4% |