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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 | $28,478 | $110,379-74.2% | $102,412-72.2% | $145,884-80.5% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 8.62% | 24.84%-16.2pp | 24.94%-16.3pp | 551.85%-543.2pp |
| Employer contribution / active EE | $1,021 | $4,216-75.8% | $3,870-73.6% | $4,662-78.1% |
| Participant deferral / active EE | $1,085 | $5,622-80.7% | $5,060-78.6% | $6,690-83.8% |
| Admin fee / account holder | $482 | $9,745-95.0% | $8,388-94.2% | $13,392-96.4% |