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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 | $152,334 | $108,912+39.9% | $100,383+51.8% | $145,959+4.4% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 8.93% | 57.96%-49.0pp | 49.26%-40.3pp | 561.95%-553.0pp |
| Employer contribution / active EE | $0 | $4,423-100.0% | $3,944-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $30,500 | $8,451+260.9% | $8,086+277.2% | $6,689+356.0% |
| Admin fee / account holder | $340 | $9,690-96.5% | $7,900-95.7% | $13,398-97.5% |