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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 | $22,522 | $160,040-85.9% | $147,096-84.7% | $145,877-84.6% |
| Participation rate | 89.5% | 84.0%+5.5pp | 82.2%+7.3pp | 80.3%+9.2pp |
| Annual return | 9.59% | 98.49%-88.9pp | 419.75%-410.2pp | 551.28%-541.7pp |
| Employer contribution / active EE | $2,737 | $5,289-48.2% | $4,936-44.5% | $4,663-41.3% |
| Participant deferral / active EE | $320 | $8,429-96.2% | $8,071-96.0% | $6,691-95.2% |
| Admin fee / account holder | $786 | $15,050-94.8% | $13,005-94.0% | $13,402-94.1% |