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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.)
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 | $6,503 | $76,407-91.5% | $150,298-95.7% | $82,448-92.1% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 17.11% | 39.99%-22.9pp | 62.79%-45.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $270 | $2,614-89.7% | $4,154-93.5% | $2,551-89.4% |
| Participant deferral / active EE | $2,146 | $3,214-33.2% | $5,453-60.6% | $4,139-48.2% |
| Admin fee / account holder | $696 | $6,352-89.0% | $14,116-95.1% | $7,234-90.4% |