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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 | $24,582 | $55,930-56.0% | $76,089-67.7% | $80,925-69.6% |
| Participation rate | 97.2% | 62.1%+35.1pp | 69.1%+28.1pp | 67.7%+29.5pp |
| Annual return | 8.93% | 20.58%-11.7pp | 360.94%-352.0pp | 35.65%-26.7pp |
| Employer contribution / active EE | $282 | $1,866-84.9% | $2,690-89.5% | $2,756-89.8% |
| Participant deferral / active EE | $3,166 | $3,051+3.8% | $4,259-25.7% | $4,299-26.3% |
| Admin fee / account holder | $1,464 | $5,241-72.1% | $6,418-77.2% | $6,940-78.9% |