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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 | $73,787+37.6% | $98,716+2.9% | $82,448+23.2% |
| Participation rate | 76.0% | 61.4%+14.6pp | 69.3%+6.7pp | 68.1%+7.9pp |
| Annual return | 16.61% | 18.57%-2.0pp | 31.81%-15.2pp | 41.64%-25.0pp |
| Employer contribution / active EE | $316 | $1,511-79.1% | $2,279-86.1% | $2,551-87.6% |
| Participant deferral / active EE | $3,715 | $3,081+20.6% | $4,048-8.2% | $4,139-10.2% |
| Admin fee / account holder | $2,848 | $6,500-56.2% | $8,703-67.3% | $7,234-60.6% |