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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 | $53,226 | $98,776-46.1% | $149,745-64.5% | $79,856-33.3% |
| Participation rate | 90.3% | 75.8%+14.5pp | 82.5%+7.8pp | 69.6%+20.7pp |
| Annual return | 11.41% | 27.38%-16.0pp | 276.72%-265.3pp | 31.71%-20.3pp |
| Employer contribution / active EE | $69 | $3,217-97.9% | $4,646-98.5% | $2,471-97.2% |
| Participant deferral / active EE | $2,477 | $5,681-56.4% | $6,843-63.8% | $3,741-33.8% |
| Admin fee / account holder | $1,605 | $6,053-73.5% | $9,312-82.8% | $5,306-69.8% |