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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 | $71,417 | $176,120-59.5% | $159,487-55.2% | $167,553-57.4% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 9.11% | 331.95%-322.8pp | 263.71%-254.6pp | 478.89%-469.8pp |
| Employer contribution / active EE | $3,850 | $5,299-27.4% | $4,831-20.3% | $4,840-20.5% |
| Participant deferral / active EE | $1,900 | $7,752-75.5% | $7,354-74.2% | $6,343-70.0% |
| Admin fee / account holder | $4,130 | $12,561-67.1% | $10,804-61.8% | $12,316-66.5% |