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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 | $25,284 | $63,346-60.1% | $92,239-72.6% | $70,124-63.9% |
| Participation rate | 90.0% | 68.7%+21.3pp | 76.5%+13.5pp | 69.5%+20.5pp |
| Annual return | 6.99% | 530.19%-523.2pp | 176.29%-169.3pp | 73.14%-66.2pp |
| Employer contribution / active EE | $8,545 | $2,471+245.8% | $3,680+132.2% | $2,342+264.8% |
| Participant deferral / active EE | $95 | $2,854-96.7% | $3,897-97.6% | $3,332-97.1% |
| Admin fee / account holder | $536 | $3,841-86.0% | $5,194-89.7% | $4,645-88.5% |