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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,175 | $65,364-61.5% | $92,909-72.9% | $72,975-65.5% |
| Participation rate | 79.6% | 68.3%+11.3pp | 76.0%+3.6pp | 69.5%+10.1pp |
| Annual return | 13.52% | 42.11%-28.6pp | 109.44%-95.9pp | 81.01%-67.5pp |
| Employer contribution / active EE | $3,894 | $2,594+50.1% | $3,653+6.6% | $2,440+59.6% |
| Participant deferral / active EE | $165 | $3,128-94.7% | $4,238-96.1% | $3,608-95.4% |
| Admin fee / account holder | $3,594 | $4,251-15.5% | $5,795-38.0% | $5,124-29.9% |