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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 | $32,980 | $76,407-56.8% | $150,298-78.1% | $82,448-60.0% |
| Participation rate | 91.7% | 66.4%+25.3pp | 77.8%+13.9pp | 68.1%+23.6pp |
| Annual return | 12.69% | 39.99%-27.3pp | 62.79%-50.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $246 | $2,614-90.6% | $4,154-94.1% | $2,551-90.4% |
| Participant deferral / active EE | $1,951 | $3,214-39.3% | $5,453-64.2% | $4,139-52.9% |
| Admin fee / account holder | $1,984 | $6,352-68.8% | $14,116-85.9% | $7,234-72.6% |