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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 | $160,028+26.9% | $147,080+38.0% | $145,884+39.2% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 4.78% | 98.60%-93.8pp | 420.17%-415.4pp | 551.85%-547.1pp |
| Employer contribution / active EE | $682 | $5,286-87.1% | $4,933-86.2% | $4,662-85.4% |
| Participant deferral / active EE | $6,818 | $8,422-19.1% | $8,066-15.5% | $6,690+1.9% |
| Admin fee / account holder | $1,198 | $15,030-92.0% | $12,989-90.8% | $13,392-91.1% |