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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 | $60,691 | $199,109-69.5% | $173,730-65.1% | $154,746-60.8% |
| Participation rate | 84.6% | 82.8%+1.8pp | 79.6%+5.0pp | 80.7%+3.9pp |
| Annual return | 15.21% | 20.02%-4.8pp | 19.96%-4.7pp | 172.34%-157.1pp |
| Employer contribution / active EE | $782 | $5,311-85.3% | $4,577-82.9% | $4,379-82.1% |
| Participant deferral / active EE | $9,133 | $7,113+28.4% | $6,326+44.4% | $6,730+35.7% |
| Admin fee / account holder | $6,756 | $20,916-67.7% | $17,523-61.4% | $14,365-53.0% |