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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 | $56,932 | $165,381-65.6% | $149,730-62.0% | $158,966-64.2% |
| Participation rate | 71.4% | 84.6%-13.1pp | 82.5%-11.1pp | 82.0%-10.5pp |
| Annual return | 16.77% | 348.29%-331.5pp | 276.70%-259.9pp | 302.95%-286.2pp |
| Employer contribution / active EE | $414 | $5,104-91.9% | $4,645-91.1% | $4,762-91.3% |
| Participant deferral / active EE | $10,712 | $7,182+49.1% | $6,843+56.5% | $5,983+79.0% |
| Admin fee / account holder | $2,418 | $10,809-77.6% | $9,310-74.0% | $11,250-78.5% |