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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 | $47,894 | $96,137-50.2% | $136,007-64.8% | $80,874-40.8% |
| Participation rate | 88.2% | 71.2%+17.0pp | 76.5%+11.8pp | 67.6%+20.6pp |
| Annual return | 10.38% | 28.70%-18.3pp | 579.32%-568.9pp | 35.62%-25.2pp |
| Employer contribution / active EE | $654 | $3,350-80.5% | $4,215-84.5% | $2,756-76.3% |
| Participant deferral / active EE | $2,748 | $5,706-51.8% | $7,024-60.9% | $4,297-36.0% |
| Admin fee / account holder | $803 | $8,236-90.3% | $6,858-88.3% | $6,935-88.4% |