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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 | $19,442 | $129,737-85.0% | $119,126-83.7% | $154,746-87.4% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 16.47% | 379.08%-362.6pp | 282.11%-265.6pp | 172.34%-155.9pp |
| Employer contribution / active EE | $702 | $4,375-84.0% | $4,034-82.6% | $4,379-84.0% |
| Participant deferral / active EE | $8,280 | $5,842+41.7% | $5,318+55.7% | $6,730+23.0% |
| Admin fee / account holder | $594 | $11,961-95.0% | $10,693-94.4% | $14,365-95.9% |