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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 | $134,510 | $95,406+41.0% | $185,849-27.6% | $85,847+56.7% |
| Participation rate | 71.4% | 68.8%+2.7pp | 81.7%-10.3pp | 69.3%+2.1pp |
| Annual return | 8.83% | 23.59%-14.8pp | 122.10%-113.3pp | 318.61%-309.8pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,917 | $3,424-44.0% | $5,569-65.6% | $3,952-51.5% |
| Admin fee / account holder | $8,128 | $7,214+12.7% | $16,244-50.0% | $6,261+29.8% |