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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 | $59,862 | $111,535-46.3% | $105,223-43.1% | $137,256-56.4% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 80.0%+5.8pp |
| Annual return | 10.48% | 237.85%-227.4pp | 180.65%-170.2pp | 220.34%-209.9pp |
| Employer contribution / active EE | $533 | $3,939-86.5% | $3,689-85.5% | $4,156-87.2% |
| Participant deferral / active EE | $4,932 | $5,500-10.3% | $5,072-2.7% | $6,407-23.0% |
| Admin fee / account holder | $2,494 | $9,721-74.3% | $8,859-71.8% | $12,270-79.7% |