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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 | $215,020 | $138,102+55.7% | $125,381+71.5% | $134,532+59.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -30.72% | 750.73%-781.4pp | 572.31%-603.0pp | 418.27%-449.0pp |
| Employer contribution / active EE | $242 | $5,245-95.4% | $4,815-95.0% | $4,741-94.9% |
| Participant deferral / active EE | $3,500 | $7,801-55.1% | $7,448-53.0% | $6,401-45.3% |
| Admin fee / account holder | $16,959 | $11,568+46.6% | $10,007+69.5% | $11,429+48.4% |