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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 | $31,002 | $138,075-77.5% | $123,552-74.9% | $135,379-77.1% |
| Participation rate | 94.4% | 84.7%+9.7pp | 82.3%+12.1pp | 82.6%+11.8pp |
| Annual return | -10.42% | 153.70%-164.1pp | 119.20%-129.6pp | 519.79%-530.2pp |
| Employer contribution / active EE | $6 | $5,152-99.9% | $4,628-99.9% | $4,779-99.9% |
| Participant deferral / active EE | $10,771 | $6,800+58.4% | $6,426+67.6% | $5,609+92.0% |
| Admin fee / account holder | $4,038 | $10,917-63.0% | $9,285-56.5% | $10,828-62.7% |