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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $28,749 | $101,950-71.8% | $125,529-77.1% | $86,983-66.9% |
| Participation rate | 78.6% | 70.2%+8.4pp | 74.7%+3.8pp | 69.5%+9.0pp |
| Annual return | 13.06% | 18.29%-5.2pp | 202.56%-189.5pp | 25.83%-12.8pp |
| Employer contribution / active EE | $1,077 | $2,358-54.3% | $3,058-64.8% | $2,584-58.3% |
| Participant deferral / active EE | $1,675 | $3,862-56.6% | $4,813-65.2% | $4,194-60.1% |
| Admin fee / account holder | $4,803 | $12,791-62.4% | $16,298-70.5% | $7,856-38.9% |