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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 | $63,549 | $212,386-70.1% | $199,883-68.2% | $138,895-54.2% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 16.55% | 47.75%-31.2pp | 43.81%-27.3pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,230 | $6,625-81.4% | $6,261-80.4% | $4,194-70.7% |
| Participant deferral / active EE | $7,276 | $9,617-24.3% | $9,138-20.4% | $6,396+13.7% |
| Admin fee / account holder | $303 | $18,233-98.3% | $17,268-98.2% | $12,562-97.6% |