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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 | $90,149 | $126,661-28.8% | $113,397-20.5% | $138,895-35.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 8.36% | 25.05%-16.7pp | 23.20%-14.8pp | 145.39%-137.0pp |
| Employer contribution / active EE | $1,333 | $3,456-61.4% | $2,977-55.2% | $4,194-68.2% |
| Participant deferral / active EE | $758 | $5,693-86.7% | $5,076-85.1% | $6,396-88.2% |
| Admin fee / account holder | $33,598 | $14,549+130.9% | $11,957+181.0% | $12,562+167.5% |