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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 | $185,638 | $175,231+5.9% | $149,696+24.0% | $139,466+33.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 6.90% | 166.77%-159.9pp | 134.46%-127.6pp | 373.66%-366.8pp |
| Employer contribution / active EE | $920 | $5,478-83.2% | $4,821-80.9% | $4,754-80.6% |
| Participant deferral / active EE | $5,439 | $6,521-16.6% | $5,682-4.3% | $6,712-19.0% |
| Admin fee / account holder | $95,816 | $16,155+493.1% | $13,212+625.2% | $11,409+739.9% |