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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 | $70,332 | $81,487-13.7% | $102,412-31.3% | $80,935-13.1% |
| Participation rate | 92.5% | 66.8%+25.7pp | 74.5%+18.0pp | 67.7%+24.8pp |
| Annual return | 8.55% | 25.60%-17.0pp | 24.94%-16.4pp | 35.66%-27.1pp |
| Employer contribution / active EE | $10,464 | $3,103+237.2% | $3,870+170.4% | $2,757+279.6% |
| Participant deferral / active EE | $691 | $3,871-82.1% | $5,060-86.3% | $4,299-83.9% |
| Admin fee / account holder | $5,861 | $6,717-12.8% | $8,388-30.1% | $6,924-15.4% |