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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 | $67,422 | $73,988-8.9% | $96,538-30.2% | $75,177-10.3% |
| Participation rate | 91.2% | 66.4%+24.7pp | 74.3%+16.8pp | 67.2%+24.0pp |
| Annual return | 10.66% | 26.73%-16.1pp | 35.74%-25.1pp | 160.75%-150.1pp |
| Employer contribution / active EE | $515 | $2,930-82.4% | $3,740-86.2% | $2,671-80.7% |
| Participant deferral / active EE | $6,242 | $3,660+70.5% | $4,880+27.9% | $4,126+51.3% |
| Admin fee / account holder | $706 | $5,220-86.5% | $6,737-89.5% | $5,651-87.5% |