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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 | $45,811 | $88,672-48.3% | $105,223-56.5% | $82,448-44.4% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 11.79% | 30.86%-19.1pp | 180.65%-168.9pp | 41.64%-29.9pp |
| Employer contribution / active EE | $10,315 | $3,048+238.4% | $3,689+179.6% | $2,551+304.3% |
| Participant deferral / active EE | $676 | $4,036-83.2% | $5,072-86.7% | $4,139-83.7% |
| Admin fee / account holder | $4,454 | $7,146-37.7% | $8,859-49.7% | $7,234-38.4% |