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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.)
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 | $44,146 | $82,133-46.3% | $147,318-70.0% | $64,097-31.1% |
| Participation rate | 70.5% | 62.3%+8.3pp | 82.1%-11.5pp | 55.2%+15.4pp |
| Annual return | 158.55% | 78.78%+79.8pp | 70.43%+88.1pp | 34.64%+123.9pp |
| Employer contribution / active EE | $0 | $2,872-100.0% | $4,593-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $11,725 | $5,407+116.8% | $7,906+48.3% | $3,080+280.7% |
| Admin fee / account holder | $12,266 | $3,730+228.9% | $13,708-10.5% | $3,454+255.1% |