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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 | $90,895 | $106,524-14.7% | $152,301-40.3% | $87,485+3.9% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.4%+6.4pp | 68.9%+20.0pp |
| Annual return | 19.55% | 26.89%-7.3pp | 80.50%-61.0pp | 26.06%-6.5pp |
| Employer contribution / active EE | -$184 | $3,371-105.5% | $4,624-104.0% | $2,596-107.1% |
| Participant deferral / active EE | $25,512 | $6,525+291.0% | $8,004+218.8% | $4,274+497.0% |
| Admin fee / account holder | $3,232 | $8,287-61.0% | $14,398-77.6% | $7,775-58.4% |