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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 | $101,566 | $74,535+36.3% | $100,712+0.8% | $82,637+22.9% |
| Participation rate | 76.0% | 61.2%+14.8pp | 69.3%+6.7pp | 68.1%+7.9pp |
| Annual return | 16.61% | 18.92%-2.3pp | 33.27%-16.7pp | 53.51%-36.9pp |
| Employer contribution / active EE | $316 | $1,503-79.0% | $2,313-86.3% | $2,552-87.6% |
| Participant deferral / active EE | $3,715 | $3,074+20.9% | $4,085-9.1% | $4,126-10.0% |
| Admin fee / account holder | $2,848 | $6,576-56.7% | $9,256-69.2% | $7,339-61.2% |