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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 | $62,109 | $142,354-56.4% | $125,529-50.5% | $155,188-60.0% |
| Participation rate | 81.3% | 78.1%+3.2pp | 74.7%+6.5pp | 80.8%+0.4pp |
| Annual return | 11.50% | 306.06%-294.6pp | 202.56%-191.1pp | 148.84%-137.3pp |
| Employer contribution / active EE | $588 | $3,501-83.2% | $3,058-80.8% | $4,248-86.2% |
| Participant deferral / active EE | $4,106 | $5,491-25.2% | $4,813-14.7% | $6,531-37.1% |
| Admin fee / account holder | $5,093 | $19,392-73.7% | $16,298-68.8% | $14,480-64.8% |