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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 | $326,049 | $201,370+61.9% | $184,256+77.0% | $145,897+123.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.73% | 29.05%-17.3pp | 28.85%-17.1pp | 552.29%-540.6pp |
| Employer contribution / active EE | $1,839 | $7,024-73.8% | $6,427-71.4% | $4,663-60.6% |
| Participant deferral / active EE | $2,935 | $9,808-70.1% | $9,133-67.9% | $6,689-56.1% |
| Admin fee / account holder | $19,821 | $16,364+21.1% | $13,899+42.6% | $13,390+48.0% |