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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% | $155,574-86.8% | $145,877-85.9% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 8.69% | 61.37%-52.7pp | 64.87%-56.2pp | 551.28%-542.6pp |
| Employer contribution / active EE | $911 | $5,317-82.9% | $4,676-80.5% | $4,663-80.5% |
| Participant deferral / active EE | $2,640 | $6,466-59.2% | $5,629-53.1% | $6,691-60.5% |
| Admin fee / account holder | $3,574 | $19,316-81.5% | $15,914-77.5% | $13,402-73.3% |