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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 | $85,976 | $100,970-14.8% | $96,576-11.0% | $137,256-37.4% |
| Participation rate | 71.4% | 82.6%-11.2pp | 81.4%-10.0pp | 80.0%-8.5pp |
| Annual return | 9.36% | 38.16%-28.8pp | 38.47%-29.1pp | 220.34%-211.0pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $9,097 | $8,286+9.8% | $7,956+14.3% | $6,407+42.0% |
| Admin fee / account holder | $7,761 | $11,312-31.4% | $11,381-31.8% | $12,270-36.8% |