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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 | $49,819 | $65,364-23.8% | $92,909-46.4% | $72,975-31.7% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 12.22% | 42.11%-29.9pp | 109.44%-97.2pp | 81.01%-68.8pp |
| Employer contribution / active EE | $12,421 | $2,594+378.8% | $3,653+240.0% | $2,440+409.0% |
| Participant deferral / active EE | $544 | $3,128-82.6% | $4,238-87.2% | $3,608-84.9% |
| Admin fee / account holder | $3,408 | $4,251-19.8% | $5,795-41.2% | $5,124-33.5% |