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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 | $208,234 | $90,448+130.2% | $93,786+122.0% | $134,545+54.8% |
| Participation rate | 80.0% | 82.0%-2.0pp | 81.0%-1.0pp | 81.2%-1.2pp |
| Annual return | -21.05% | -15.71%-5.3pp | -11.32%-9.7pp | 418.37%-439.4pp |
| Employer contribution / active EE | $1,140 | $4,349-73.8% | $4,328-73.7% | $4,742-76.0% |
| Participant deferral / active EE | $6,745 | $5,983+12.7% | $6,100+10.6% | $6,401+5.4% |
| Admin fee / account holder | $7,009 | $9,232-24.1% | $7,184-2.4% | $11,431-38.7% |