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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 | $46,274 | $138,102-66.5% | $125,381-63.1% | $134,532-65.6% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | -36.35% | 750.73%-787.1pp | 572.31%-608.7pp | 418.27%-454.6pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,815-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $17,363 | $7,801+122.6% | $7,448+133.1% | $6,401+171.3% |
| Admin fee / account holder | $5,167 | $11,568-55.3% | $10,007-48.4% | $11,429-54.8% |