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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 | $183,627-29.9% | $155,602-17.3% | $145,978-11.8% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 4.89% | 61.32%-56.4pp | 64.81%-59.9pp | 550.52%-545.6pp |
| Employer contribution / active EE | $680 | $5,316-87.2% | $4,675-85.5% | $4,662-85.4% |
| Participant deferral / active EE | $5,400 | $6,466-16.5% | $5,629-4.1% | $6,690-19.3% |
| Admin fee / account holder | $1,154 | $19,327-94.0% | $15,923-92.8% | $13,400-91.4% |