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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 | $27,215 | $85,171-68.0% | $172,752-84.2% | $72,975-62.7% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | -3.17% | 27.32%-30.5pp | 802.97%-806.1pp | 81.01%-84.2pp |
| Employer contribution / active EE | $332 | $3,324-90.0% | $5,144-93.5% | $2,440-86.4% |
| Participant deferral / active EE | $6,915 | $3,260+112.1% | $5,198+33.0% | $3,608+91.7% |
| Admin fee / account holder | $4,705 | $5,880-20.0% | $13,955-66.3% | $5,124-8.2% |