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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 | $53,896 | $176,838-69.5% | $146,685-63.3% | $167,518-67.8% |
| Participation rate | 91.7% | 83.6%+8.0pp | 80.1%+11.6pp | 82.1%+9.6pp |
| Annual return | 14.46% | 24.04%-9.6pp | 22.75%-8.3pp | 478.71%-464.3pp |
| Employer contribution / active EE | $582 | $5,161-88.7% | $4,137-85.9% | $4,838-88.0% |
| Participant deferral / active EE | $2,374 | $6,441-63.1% | $5,507-56.9% | $6,342-62.6% |
| Admin fee / account holder | $6,528 | $13,262-50.8% | $10,281-36.5% | $12,312-47.0% |