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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 | $21,872 | $56,134-61.0% | $96,192-77.3% | $85,851-74.5% |
| Participation rate | 82.4% | 56.7%+25.6pp | 68.4%+13.9pp | 69.3%+13.0pp |
| Annual return | 19.63% | 42.30%-22.7pp | 192.09%-172.5pp | 318.63%-299.0pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,799-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,584 | $2,858-44.6% | $4,351-63.6% | $3,952-59.9% |
| Admin fee / account holder | $547 | $3,769-85.5% | $5,539-90.1% | $6,261-91.3% |