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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 | $58,245 | $88,672-34.3% | $105,223-44.6% | $82,448-29.4% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 10.91% | 30.86%-19.9pp | 180.65%-169.7pp | 41.64%-30.7pp |
| Employer contribution / active EE | $20,222 | $3,048+563.5% | $3,689+448.3% | $2,551+692.7% |
| Participant deferral / active EE | $403 | $4,036-90.0% | $5,072-92.1% | $4,139-90.3% |
| Admin fee / account holder | $8,223 | $7,146+15.1% | $8,859-7.2% | $7,234+13.7% |