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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 | $56,870 | $105,200-45.9% | $159,474-64.3% | $85,847-33.8% |
| Participation rate | 85.3% | 75.8%+9.5pp | 82.8%+2.5pp | 69.3%+16.0pp |
| Annual return | 9.13% | 45.08%-35.9pp | 263.68%-254.5pp | 318.61%-309.5pp |
| Employer contribution / active EE | $5,130 | $3,319+54.6% | $4,831+6.2% | $2,565+100.0% |
| Participant deferral / active EE | $2,336 | $5,946-60.7% | $7,353-68.2% | $3,952-40.9% |
| Admin fee / account holder | $5,110 | $6,934-26.3% | $10,802-52.7% | $6,261-18.4% |