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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 | $45,016 | $159,934-71.9% | $147,005-69.4% | $145,959-69.2% |
| Participation rate | 78.6% | 84.0%-5.4pp | 82.2%-3.6pp | 80.3%-1.7pp |
| Annual return | 4.28% | 98.24%-94.0pp | 418.76%-414.5pp | 561.95%-557.7pp |
| Employer contribution / active EE | $5,095 | $5,287-3.6% | $4,934+3.3% | $4,661+9.3% |
| Participant deferral / active EE | $343 | $8,427-95.9% | $8,070-95.8% | $6,689-94.9% |
| Admin fee / account holder | $988 | $15,053-93.4% | $13,006-92.4% | $13,398-92.6% |