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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 | $22,050 | $99,345-77.8% | $84,753-74.0% | $273,972-92.0% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | -3.51% | 22.93%-26.4pp | 22.78%-26.3pp | 41.46%-45.0pp |
| Employer contribution / active EE | $33,078 | $4,214+685.0% | $3,574+825.4% | $4,869+579.4% |
| Participant deferral / active EE | $0 | $4,270-100.0% | $3,712-100.0% | $5,287-100.0% |
| Admin fee / account holder | $6,110 | $6,645-8.1% | $5,333+14.6% | $10,133-39.7% |