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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 | $38,411 | $75,541-49.2% | $152,093-74.7% | $82,637-53.5% |
| Participation rate | 97.8% | 66.5%+31.3pp | 77.8%+20.1pp | 68.1%+29.8pp |
| Annual return | 11.33% | 32.56%-21.2pp | 66.36%-55.0pp | 53.51%-42.2pp |
| Employer contribution / active EE | $7,751 | $2,622+195.6% | $4,175+85.7% | $2,552+203.7% |
| Participant deferral / active EE | $0 | $3,206-100.0% | $5,451-100.0% | $4,126-100.0% |
| Admin fee / account holder | $4,630 | $6,405-27.7% | $14,497-68.1% | $7,339-36.9% |