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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 | $191,592 | $175,259+9.3% | $149,723+28.0% | $139,487+37.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 8.69% | 166.82%-158.1pp | 134.50%-125.8pp | 373.84%-365.2pp |
| Employer contribution / active EE | $626 | $5,478-88.6% | $4,821-87.0% | $4,755-86.8% |
| Participant deferral / active EE | $12,071 | $6,522+85.1% | $5,682+112.4% | $6,713+79.8% |
| Admin fee / account holder | $2,991 | $16,158-81.5% | $13,215-77.4% | $11,407-73.8% |