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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 | $154,212 | $102,663+50.2% | $86,216+78.9% | $139,466+10.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | -9.96% | 1924.52%-1934.5pp | 1169.42%-1179.4pp | 373.66%-383.6pp |
| Employer contribution / active EE | $6,818 | $3,035+124.7% | $2,382+186.3% | $4,754+43.4% |
| Participant deferral / active EE | $919 | $4,677-80.4% | $3,986-77.0% | $6,712-86.3% |
| Admin fee / account holder | $3,292 | $8,663-62.0% | $6,853-52.0% | $11,409-71.1% |