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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 | $13,220 | $110,410-88.0% | $102,437-87.1% | $145,897-90.9% |
| Participation rate | 72.7% | 77.9%-5.2pp | 74.5%-1.8pp | 80.3%-7.6pp |
| Annual return | -12.82% | 24.85%-37.7pp | 24.95%-37.8pp | 552.29%-565.1pp |
| Employer contribution / active EE | $181 | $4,217-95.7% | $3,871-95.3% | $4,663-96.1% |
| Participant deferral / active EE | $2,642 | $5,622-53.0% | $5,060-47.8% | $6,689-60.5% |
| Admin fee / account holder | $2,683 | $9,745-72.5% | $8,388-68.0% | $13,390-80.0% |