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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 | $37,172 | $81,358-54.3% | $155,556-76.1% | $80,959-54.1% |
| Participation rate | 85.7% | 66.3%+19.4pp | 78.2%+7.5pp | 67.7%+18.0pp |
| Annual return | 8.14% | 33.39%-25.2pp | 64.84%-56.7pp | 35.67%-27.5pp |
| Employer contribution / active EE | $9 | $3,106-99.7% | $4,675-99.8% | $2,757-99.7% |
| Participant deferral / active EE | $3,041 | $3,455-12.0% | $5,631-46.0% | $4,300-29.3% |
| Admin fee / account holder | $399 | $7,994-95.0% | $15,885-97.5% | $6,925-94.2% |