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Employer 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 | $217,079 | $71,215+204.8% | $93,696+131.7% | $80,935+168.2% |
| Participation rate | 90.0% | 60.4%+29.6pp | 68.7%+21.3pp | 67.7%+22.3pp |
| Annual return | 9.49% | 11.27%-1.8pp | 133.74%-124.2pp | 35.66%-26.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,813 | $4,037-30.3% | $4,417-36.3% | $4,299-34.6% |
| Admin fee / account holder | $8,367 | $6,958+20.2% | $8,287+1.0% | $6,924+20.8% |