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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 | $69,763 | $217,432-67.9% | $185,849-62.5% | $167,536-58.4% |
| Participation rate | 81.8% | 86.1%-4.2pp | 81.7%+0.1pp | 82.1%-0.3pp |
| Annual return | 4.29% | 148.42%-144.1pp | 122.10%-117.8pp | 478.82%-474.5pp |
| Employer contribution / active EE | $0 | $5,875-100.0% | $5,169-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,674 | $6,357-57.9% | $5,569-52.0% | $6,342-57.8% |
| Admin fee / account holder | $1,306 | $19,818-93.4% | $16,244-92.0% | $12,315-89.4% |