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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 | $39,895 | $110,137-63.8% | $161,149-75.2% | $82,637-51.7% |
| Participation rate | 95.5% | 72.4%+23.2pp | 78.8%+16.7pp | 68.1%+27.5pp |
| Annual return | 11.89% | 20.69%-8.8pp | 21.16%-9.3pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,145 | $2,856-59.9% | $4,360-73.7% | $2,552-55.1% |
| Participant deferral / active EE | $1,695 | $4,575-63.0% | $6,153-72.5% | $4,126-58.9% |
| Admin fee / account holder | $9,208 | $9,467-2.7% | $15,194-39.4% | $7,339+25.5% |