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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 | $95,207 | $77,816+22.3% | $123,549-22.9% | $64,181+48.3% |
| Participation rate | 84.2% | 74.7%+9.5pp | 82.3%+1.9pp | 69.6%+14.6pp |
| Annual return | -7.67% | 12.49%-20.2pp | 119.20%-126.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,401 | $5,240-16.0% | $6,426-31.5% | $3,470+26.9% |
| Admin fee / account holder | $3,693 | $5,519-33.1% | $9,284-60.2% | $4,887-24.4% |