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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 | $49,944 | $181,062-72.4% | $158,223-68.4% | $155,188-67.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 8.40% | 57.39%-49.0pp | 52.09%-43.7pp | 148.84%-140.4pp |
| Employer contribution / active EE | $1,406 | $4,565-69.2% | $4,109-65.8% | $4,248-66.9% |
| Participant deferral / active EE | $1,069 | $6,134-82.6% | $5,467-80.4% | $6,531-83.6% |
| Admin fee / account holder | $2,576 | $18,825-86.3% | $16,047-83.9% | $14,480-82.2% |