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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 | $32,142 | $70,418-54.4% | $96,570-66.7% | $85,847-62.6% |
| Participation rate | 77.1% | 61.8%+15.3pp | 69.8%+7.3pp | 69.3%+7.8pp |
| Annual return | 10.32% | 18.59%-8.3pp | 37.79%-27.5pp | 318.61%-308.3pp |
| Employer contribution / active EE | $2,260 | $1,413+59.9% | $2,357-4.1% | $2,565-11.9% |
| Participant deferral / active EE | $1,012 | $2,894-65.0% | $3,849-73.7% | $3,952-74.4% |
| Admin fee / account holder | $973 | $4,995-80.5% | $6,182-84.3% | $6,261-84.5% |