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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 | $83,705 | $178,174-53.0% | $156,181-46.4% | $137,256-39.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 7.04% | 84.19%-77.1pp | 64.87%-57.8pp | 220.34%-213.3pp |
| Employer contribution / active EE | $411 | $4,972-91.7% | $4,294-90.4% | $4,156-90.1% |
| Participant deferral / active EE | $2,700 | $6,888-60.8% | $6,132-56.0% | $6,407-57.9% |
| Admin fee / account holder | $30,335 | $17,404+74.3% | $14,586+108.0% | $12,270+147.2% |