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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 | $19,564 | $99,053-80.2% | $88,179-77.8% | $138,895-85.9% |
| Participation rate | 73.3% | 74.2%-0.9pp | 69.1%+4.2pp | 79.9%-6.6pp |
| Annual return | 7.72% | 78.17%-70.5pp | 64.97%-57.3pp | 145.39%-137.7pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $2,549-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $8,606 | $5,225+64.7% | $4,614+86.5% | $6,396+34.5% |
| Admin fee / account holder | $1,688 | $8,748-80.7% | $7,673-78.0% | $12,562-86.6% |