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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 | $42,579 | $78,428-45.7% | $95,960-55.6% | $79,852-46.7% |
| Participation rate | 82.2% | 73.5%+8.7pp | 77.1%+5.1pp | 69.6%+12.6pp |
| Annual return | 9.94% | 19.37%-9.4pp | 91.63%-81.7pp | 31.72%-21.8pp |
| Employer contribution / active EE | $529 | $1,945-72.8% | $2,541-79.2% | $2,471-78.6% |
| Participant deferral / active EE | $1,427 | $3,440-58.5% | $4,167-65.7% | $3,740-61.8% |
| Admin fee / account holder | $6,847 | $5,622+21.8% | $6,797+0.7% | $5,306+29.0% |