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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 | $96,236-50.2% | $133,698-64.2% | $80,959-40.8% |
| Participation rate | 88.2% | 71.2%+17.0pp | 76.4%+11.8pp | 67.7%+20.6pp |
| Annual return | 10.38% | 28.74%-18.4pp | 580.90%-570.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $654 | $3,350-80.5% | $4,218-84.5% | $2,757-76.3% |
| Participant deferral / active EE | $2,748 | $5,709-51.9% | $7,016-60.8% | $4,300-36.1% |
| Admin fee / account holder | $803 | $8,250-90.3% | $6,703-88.0% | $6,925-88.4% |