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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.)
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 | $150,457 | $171,867-12.5% | $149,721+0.5% | $147,586+1.9% |
| Participation rate | 88.9% | 88.2%+0.7pp | 87.1%+1.8pp | 82.8%+6.1pp |
| Annual return | 27.25% | 2113.36%-2086.1pp | 1501.67%-1474.4pp | 578.59%-551.3pp |
| Employer contribution / active EE | $0 | $6,275-100.0% | $5,444-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $11,729 | $7,270+61.3% | $6,568+78.6% | $5,439+115.7% |
| Admin fee / account holder | $2,225 | $13,799-83.9% | $11,282-80.3% | $10,886-79.6% |