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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 | $147,090 | $77,920+88.8% | $149,723-1.8% | $75,177+95.7% |
| Participation rate | 85.2% | 65.6%+19.6pp | 78.8%+6.4pp | 67.2%+18.0pp |
| Annual return | 13.17% | 31.72%-18.5pp | 134.50%-121.3pp | 160.75%-147.6pp |
| Employer contribution / active EE | -$2,377 | $3,138-175.7% | $4,821-149.3% | $2,671-189.0% |
| Participant deferral / active EE | $5,026 | $3,411+47.3% | $5,682-11.5% | $4,126+21.8% |
| Admin fee / account holder | $32,760 | $5,951+450.5% | $13,215+147.9% | $5,651+479.7% |