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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 | $93,345-37.6% | $119,126-51.1% | $87,485-33.4% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 10.91% | 19.08%-8.2pp | 282.11%-271.2pp | 26.06%-15.2pp |
| Employer contribution / active EE | $20,222 | $3,172+537.6% | $4,034+401.3% | $2,596+678.9% |
| Participant deferral / active EE | $403 | $4,099-90.2% | $5,318-92.4% | $4,274-90.6% |
| Admin fee / account holder | $8,223 | $8,039+2.3% | $10,693-23.1% | $7,775+5.8% |