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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 | $68,744 | $127,790-46.2% | $106,554-35.5% | $167,553-59.0% |
| Participation rate | 87.5% | 78.3%+9.2pp | 76.1%+11.4pp | 82.1%+5.4pp |
| Annual return | 8.24% | 33.88%-25.6pp | 26.80%-18.6pp | 478.89%-470.7pp |
| Employer contribution / active EE | $447 | $3,427-87.0% | $2,819-84.1% | $4,840-90.8% |
| Participant deferral / active EE | $2,259 | $5,088-55.6% | $4,398-48.6% | $6,343-64.4% |
| Admin fee / account holder | $1,055 | $11,231-90.6% | $7,408-85.8% | $12,316-91.4% |