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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 | $85,002-49.2% | $76,278-43.4% | $145,978-70.4% |
| Participation rate | 75.0% | 82.9%-7.9pp | 79.2%-4.2pp | 80.3%-5.3pp |
| Annual return | 11.87% | 13.11%-1.2pp | 13.77%-1.9pp | 550.52%-538.6pp |
| Employer contribution / active EE | $0 | $5,261-100.0% | $4,584-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $7,454 | $6,390+16.7% | $5,478+36.1% | $6,690+11.4% |
| Admin fee / account holder | $1,857 | $5,760-67.8% | $5,131-63.8% | $13,400-86.1% |