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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 | $99,004 | $135,956-27.2% | $123,894-20.1% | $273,972-63.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 2.83% | 56.63%-53.8pp | 47.52%-44.7pp | 41.46%-38.6pp |
| Employer contribution / active EE | $13 | $5,170-99.8% | $4,617-99.7% | $4,869-99.7% |
| Participant deferral / active EE | $6,021 | $6,343-5.1% | $5,984+0.6% | $5,287+13.9% |
| Admin fee / account holder | $1,262 | $9,817-87.2% | $8,357-84.9% | $10,133-87.5% |