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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 | $85,710 | $124,346-31.1% | $111,306-23.0% | $167,553-48.8% |
| Participation rate | 81.8% | 79.6%+2.2pp | 77.3%+4.5pp | 82.1%-0.3pp |
| Annual return | 8.12% | 37.46%-29.3pp | 54.67%-46.6pp | 478.89%-470.8pp |
| Employer contribution / active EE | $4,797 | $3,438+39.6% | $2,732+75.6% | $4,840-0.9% |
| Participant deferral / active EE | $1,496 | $5,182-71.1% | $4,488-66.7% | $6,343-76.4% |
| Admin fee / account holder | $12,634 | $10,623+18.9% | $7,966+58.6% | $12,316+2.6% |