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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 | $174,281 | $167,362+4.1% | $143,799+21.2% | $134,532+29.5% |
| Participation rate | 77.8% | 84.8%-7.0pp | 80.3%-2.5pp | 81.2%-3.5pp |
| Annual return | -28.38% | 0.47%-28.9pp | -0.04%-28.3pp | 418.27%-446.6pp |
| Employer contribution / active EE | $12,106 | $5,620+115.4% | $4,952+144.5% | $4,741+155.3% |
| Participant deferral / active EE | $1,640 | $6,447-74.6% | $5,638-70.9% | $6,401-74.4% |
| Admin fee / account holder | $10,203 | $18,094-43.6% | $14,677-30.5% | $11,429-10.7% |