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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 | $128,681 | $183,516-29.9% | $155,534-17.3% | $145,884-11.8% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 4.89% | 61.43%-56.5pp | 64.92%-60.0pp | 551.85%-547.0pp |
| Employer contribution / active EE | $680 | $5,315-87.2% | $4,675-85.5% | $4,662-85.4% |
| Participant deferral / active EE | $5,400 | $6,467-16.5% | $5,630-4.1% | $6,690-19.3% |
| Admin fee / account holder | $1,154 | $19,293-94.0% | $15,900-92.7% | $13,392-91.4% |