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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 | $30,624 | $70,917-56.8% | $98,916-69.0% | $73,493-58.3% |
| Participation rate | 100.0% | 73.8%+26.2pp | 76.0%+24.0pp | 70.7%+29.3pp |
| Annual return | 10.80% | 34.18%-23.4pp | 196.45%-185.7pp | 28.51%-17.7pp |
| Employer contribution / active EE | $2,936 | $2,037+44.1% | $2,689+9.2% | $2,270+29.3% |
| Participant deferral / active EE | $404 | $3,501-88.5% | $4,245-90.5% | $3,740-89.2% |
| Admin fee / account holder | $6,047 | $535+1030.5% | $6,642-9.0% | $513+1078.5% |