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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 | $20,599 | $183,592-88.8% | $155,567-86.8% | $145,959-85.9% |
| Participation rate | 83.3% | 82.7%+0.7pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 8.69% | 61.24%-52.5pp | 64.74%-56.0pp | 561.95%-553.3pp |
| Employer contribution / active EE | $911 | $5,315-82.9% | $4,674-80.5% | $4,661-80.4% |
| Participant deferral / active EE | $2,640 | $6,464-59.2% | $5,628-53.1% | $6,689-60.5% |
| Admin fee / account holder | $3,574 | $19,318-81.5% | $15,916-77.5% | $13,398-73.3% |