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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 | $158,882 | $124,187+27.9% | $108,410+46.6% | $167,518-5.2% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 7.49% | 1379.80%-1372.3pp | 905.34%-897.9pp | 478.71%-471.2pp |
| Employer contribution / active EE | $0 | $4,187-100.0% | $3,558-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $19,135 | $6,908+177.0% | $6,562+191.6% | $6,342+201.7% |
| Admin fee / account holder | $8,096 | $9,456-14.4% | $7,296+11.0% | $12,312-34.2% |