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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 | $203,034 | $160,070+26.8% | $147,117+38.0% | $145,897+39.2% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 4.78% | 98.69%-93.9pp | 420.54%-415.8pp | 552.29%-547.5pp |
| Employer contribution / active EE | $682 | $5,285-87.1% | $4,932-86.2% | $4,663-85.4% |
| Participant deferral / active EE | $6,818 | $8,419-19.0% | $8,065-15.5% | $6,689+1.9% |
| Admin fee / account holder | $1,198 | $15,035-92.0% | $12,993-90.8% | $13,390-91.1% |