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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 | $37,424 | $175,600-78.7% | $129,110-71.0% | $134,509-72.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.3%+22.7pp | 81.2%+18.8pp |
| Annual return | -22.30% | -11.39%-10.9pp | -10.94%-11.4pp | 418.13%-440.4pp |
| Employer contribution / active EE | $1,137 | $6,355-82.1% | $5,052-77.5% | $4,741-76.0% |
| Participant deferral / active EE | $2,400 | $7,975-69.9% | $6,542-63.3% | $6,400-62.5% |
| Admin fee / account holder | $845 | $23,567-96.4% | $14,302-94.1% | $11,427-92.6% |