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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 | $247,376 | $69,252+257.2% | $64,099+285.9% | $139,456+77.4% |
| Participation rate | 78.9% | 75.6%+3.3pp | 72.3%+6.6pp | 80.3%-1.4pp |
| Annual return | 9.96% | 45.89%-35.9pp | 33.70%-23.7pp | 373.45%-363.5pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $2,748-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $5,042 | $4,683+7.7% | $3,881+29.9% | $6,711-24.9% |
| Admin fee / account holder | $4,368 | $4,248+2.8% | $3,070+42.3% | $11,407-61.7% |