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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 | $82,945 | $53,841+54.1% | $75,731+9.5% | $85,851-3.4% |
| Participation rate | 72.4% | 69.0%+3.3pp | 74.8%-2.5pp | 69.3%+3.0pp |
| Annual return | 9.19% | 24.54%-15.4pp | 104.65%-95.5pp | 318.63%-309.4pp |
| Employer contribution / active EE | $0 | $2,017-100.0% | $2,743-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,063 | $2,895+40.3% | $3,820+6.4% | $3,952+2.8% |
| Admin fee / account holder | $8,868 | $3,340+165.5% | $3,620+145.0% | $6,261+41.6% |