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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 | $462,881 | $174,379+165.4% | $152,093+204.3% | $138,895+233.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 17.19% | 74.86%-57.7pp | 66.36%-49.2pp | 145.39%-128.2pp |
| Employer contribution / active EE | $1,512 | $4,652-67.5% | $4,175-63.8% | $4,194-64.0% |
| Participant deferral / active EE | $1,390 | $6,159-77.4% | $5,451-74.5% | $6,396-78.3% |
| Admin fee / account holder | $26,422 | $16,880+56.5% | $14,497+82.3% | $12,562+110.3% |