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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 | $36,287 | $217,432-83.3% | $185,849-80.5% | $167,536-78.3% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 6.54% | 148.42%-141.9pp | 122.10%-115.6pp | 478.82%-472.3pp |
| Employer contribution / active EE | $2,487 | $5,875-57.7% | $5,169-51.9% | $4,839-48.6% |
| Participant deferral / active EE | $1,088 | $6,357-82.9% | $5,569-80.5% | $6,342-82.8% |
| Admin fee / account holder | $1,650 | $19,818-91.7% | $16,244-89.8% | $12,315-86.6% |