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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 | $375,851 | $129,737+189.7% | $119,126+215.5% | $154,746+142.9% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 28.22% | 379.08%-350.9pp | 282.11%-253.9pp | 172.34%-144.1pp |
| Employer contribution / active EE | $32,381 | $4,375+640.1% | $4,034+702.8% | $4,379+639.4% |
| Participant deferral / active EE | $396 | $5,842-93.2% | $5,318-92.6% | $6,730-94.1% |
| Admin fee / account holder | $1,599 | $11,961-86.6% | $10,693-85.0% | $14,365-88.9% |