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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 | $99,361 | $136,860-27.4% | $120,344-17.4% | $154,746-35.8% |
| Participation rate | 76.9% | 79.9%-3.0pp | 76.7%+0.2pp | 80.7%-3.8pp |
| Annual return | 10.30% | 21.38%-11.1pp | 20.30%-10.0pp | 172.34%-162.0pp |
| Employer contribution / active EE | $644 | $3,533-81.8% | $3,020-78.7% | $4,379-85.3% |
| Participant deferral / active EE | $4,077 | $5,793-29.6% | $5,135-20.6% | $6,730-39.4% |
| Admin fee / account holder | $7,163 | $15,393-53.5% | $12,742-43.8% | $14,365-50.1% |