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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 | $238,819 | $172,111+38.8% | $150,298+58.9% | $137,256+74.0% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 8.12% | 69.37%-61.3pp | 62.79%-54.7pp | 220.34%-212.2pp |
| Employer contribution / active EE | $0 | $4,636-100.0% | $4,154-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,816 | $6,166-70.5% | $5,453-66.7% | $6,407-71.7% |
| Admin fee / account holder | $7,405 | $16,471-55.0% | $14,116-47.5% | $12,270-39.7% |