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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 | $106,749-14.9% | $145,433-37.5% | $82,448+10.2% |
| Participation rate | 88.9% | 75.6%+13.2pp | 82.1%+6.8pp | 68.1%+20.8pp |
| Annual return | 19.55% | 27.59%-8.0pp | 66.58%-47.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | -$184 | $3,444-105.3% | $4,554-104.0% | $2,551-107.2% |
| Participant deferral / active EE | $25,512 | $6,519+291.4% | $7,897+223.0% | $4,139+516.3% |
| Admin fee / account holder | $3,232 | $8,390-61.5% | $13,129-75.4% | $7,234-55.3% |