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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 | $35,758 | $217,432-83.6% | $185,849-80.8% | $167,536-78.7% |
| Participation rate | 95.0% | 86.1%+8.9pp | 81.7%+13.3pp | 82.1%+12.9pp |
| Annual return | 7.97% | 148.42%-140.5pp | 122.10%-114.1pp | 478.82%-470.8pp |
| Employer contribution / active EE | $4,067 | $5,875-30.8% | $5,169-21.3% | $4,839-16.0% |
| Participant deferral / active EE | $2,235 | $6,357-64.8% | $5,569-59.9% | $6,342-64.8% |
| Admin fee / account holder | $1,914 | $19,818-90.3% | $16,244-88.2% | $12,315-84.5% |