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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 | $43,198 | $85,196-49.3% | $76,383-43.4% | $145,897-70.4% |
| Participation rate | 75.0% | 82.9%-7.9pp | 79.3%-4.3pp | 80.3%-5.3pp |
| Annual return | 11.87% | 13.13%-1.3pp | 13.79%-1.9pp | 552.29%-540.4pp |
| Employer contribution / active EE | $0 | $5,268-100.0% | $4,587-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,454 | $6,386+16.7% | $5,474+36.2% | $6,689+11.4% |
| Admin fee / account holder | $1,857 | $5,786-67.9% | $5,147-63.9% | $13,390-86.1% |