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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 | $172,039 | $89,370+92.5% | $141,197+21.8% | $72,976+135.7% |
| Participation rate | 93.8% | 75.1%+18.6pp | 82.5%+11.3pp | 69.5%+24.3pp |
| Annual return | 17.03% | 111.88%-94.8pp | 71.41%-54.4pp | 81.02%-64.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,572 | $5,419+21.3% | $6,710-2.1% | $3,608+82.2% |
| Admin fee / account holder | $9,258 | $5,957+55.4% | $10,265-9.8% | $5,124+80.7% |