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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 | $244,080 | $196,972+23.9% | $182,262+33.9% | $198,609+22.9% |
| Participation rate | 85.7% | 85.7%0pp | 84.2%+1.5pp | 82.4%+3.3pp |
| Annual return | 19.86% | 158.27%-138.4pp | 140.60%-120.7pp | 202.70%-182.8pp |
| Employer contribution / active EE | $1,031 | $5,364-80.8% | $5,046-79.6% | $5,055-79.6% |
| Participant deferral / active EE | $14,707 | $8,643+70.2% | $8,276+77.7% | $6,977+110.8% |
| Admin fee / account holder | $2,533 | $18,429-86.3% | $16,712-84.8% | $19,030-86.7% |