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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 | $40,183 | $62,592-35.8% | $85,709-53.1% | $85,847-53.2% |
| Participation rate | 80.0% | 61.1%+18.9pp | 69.9%+10.1pp | 69.3%+10.7pp |
| Annual return | 10.81% | 23.77%-13.0pp | 21.49%-10.7pp | 318.61%-307.8pp |
| Employer contribution / active EE | $86 | $1,755-95.1% | $2,619-96.7% | $2,565-96.7% |
| Participant deferral / active EE | $5,031 | $2,802+79.5% | $3,924+28.2% | $3,952+27.3% |
| Admin fee / account holder | $1,198 | $4,643-74.2% | $6,876-82.6% | $6,261-80.9% |