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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 | $30,505 | $176,794-82.7% | $146,647-79.2% | $167,553-81.8% |
| Participation rate | 85.7% | 83.6%+2.1pp | 80.1%+5.6pp | 82.1%+3.6pp |
| Annual return | 11.27% | 24.04%-12.8pp | 22.75%-11.5pp | 478.89%-467.6pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $6,318 | $6,440-1.9% | $5,506+14.7% | $6,343-0.4% |
| Admin fee / account holder | $1,046 | $13,262-92.1% | $10,281-89.8% | $12,316-91.5% |