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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 | $449,132 | $105,160+327.1% | $94,679+374.4% | $139,456+222.1% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 15.08% | 38.04%-23.0pp | 156.75%-141.7pp | 373.45%-358.4pp |
| Employer contribution / active EE | $9,494 | $4,107+131.2% | $3,673+158.5% | $4,753+99.8% |
| Participant deferral / active EE | $1,503 | $7,599-80.2% | $7,417-79.7% | $6,711-77.6% |
| Admin fee / account holder | $4,414 | $8,988-50.9% | $7,233-39.0% | $11,407-61.3% |