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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 | $64,450 | $172,111-62.6% | $150,298-57.1% | $137,256-53.0% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 4.59% | 69.37%-64.8pp | 62.79%-58.2pp | 220.34%-215.8pp |
| Employer contribution / active EE | $493 | $4,636-89.4% | $4,154-88.1% | $4,156-88.1% |
| Participant deferral / active EE | $9,519 | $6,166+54.4% | $5,453+74.6% | $6,407+48.6% |
| Admin fee / account holder | $8,404 | $16,471-49.0% | $14,116-40.5% | $12,270-31.5% |