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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 | $31,737 | $48,235-34.2% | $68,803-53.9% | $68,490-53.7% |
| Participation rate | 77.3% | 60.7%+16.6pp | 69.0%+8.3pp | 67.9%+9.4pp |
| Annual return | -19.79% | -12.70%-7.1pp | -6.37%-13.4pp | -7.85%-11.9pp |
| Employer contribution / active EE | $56 | $1,829-96.9% | $2,656-97.9% | $2,597-97.8% |
| Participant deferral / active EE | $1,119 | $2,867-61.0% | $3,942-71.6% | $4,028-72.2% |
| Admin fee / account holder | $1,714 | $4,361-60.7% | $4,936-65.3% | $5,403-68.3% |