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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 | $58,962 | $84,236-30.0% | $170,439-65.4% | $70,124-15.9% |
| Participation rate | 89.7% | 70.8%+18.9pp | 83.6%+6.1pp | 69.5%+20.2pp |
| Annual return | 11.97% | 23.06%-11.1pp | 205.94%-194.0pp | 73.14%-61.2pp |
| Employer contribution / active EE | $5,418 | $3,387+60.0% | $5,433-0.3% | $2,342+131.3% |
| Participant deferral / active EE | $630 | $3,086-79.6% | $4,939-87.3% | $3,332-81.1% |
| Admin fee / account holder | $16,409 | $5,698+188.0% | $13,881+18.2% | $4,645+253.2% |