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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 | $43,808 | $61,816-29.1% | $97,260-55.0% | $80,935-45.9% |
| Participation rate | 86.2% | 63.5%+22.7pp | 72.7%+13.5pp | 67.7%+18.5pp |
| Annual return | 9.00% | -558.73%+567.7pp | 75.54%-66.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $352 | $1,836-80.8% | $2,721-87.1% | $2,757-87.2% |
| Participant deferral / active EE | $3,899 | $3,027+28.8% | $4,262-8.5% | $4,299-9.3% |
| Admin fee / account holder | $666 | $5,166-87.1% | $5,640-88.2% | $6,924-90.4% |