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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 | $15,856 | $107,363-85.2% | $92,909-82.9% | $152,897-89.6% |
| Participation rate | 85.7% | 79.8%+5.9pp | 76.0%+9.7pp | 82.5%+3.3pp |
| Annual return | 11.47% | 145.63%-134.2pp | 109.44%-98.0pp | 345.43%-334.0pp |
| Employer contribution / active EE | $3,571 | $4,222-15.4% | $3,653-2.2% | $4,764-25.0% |
| Participant deferral / active EE | $700 | $4,848-85.6% | $4,238-83.5% | $5,851-88.0% |
| Admin fee / account holder | $818 | $7,082-88.4% | $5,795-85.9% | $11,599-92.9% |