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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 | $78,557 | $72,404+8.5% | $110,243-28.7% | $64,173+22.4% |
| Participation rate | 89.7% | 73.3%+16.3pp | 79.8%+9.8pp | 69.6%+20.1pp |
| Annual return | -9.46% | -6.29%-3.2pp | 314.76%-324.2pp | 7.63%-17.1pp |
| Employer contribution / active EE | $7,186 | $2,282+215.0% | $3,827+87.8% | $2,381+201.8% |
| Participant deferral / active EE | $1,561 | $3,469-55.0% | $4,672-66.6% | $3,470-55.0% |
| Admin fee / account holder | $341 | $5,664-94.0% | $8,548-96.0% | $4,887-93.0% |