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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 | $46,926 | $93,598-49.9% | $135,974-65.5% | $75,173-37.6% |
| Participation rate | 95.2% | 75.2%+20.0pp | 81.9%+13.3pp | 67.2%+28.0pp |
| Annual return | 13.15% | 30.89%-17.7pp | 68.30%-55.2pp | 160.72%-147.6pp |
| Employer contribution / active EE | $4,533 | $3,538+28.1% | $4,859-6.7% | $2,671+69.7% |
| Participant deferral / active EE | $2,281 | $6,405-64.4% | $7,760-70.6% | $4,126-44.7% |
| Admin fee / account holder | $2,616 | $6,978-62.5% | $10,767-75.7% | $5,651-53.7% |