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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 | $52,841 | $65,704-19.6% | $94,229-43.9% | $59,633-11.4% |
| Participation rate | 96.0% | 72.1%+23.9pp | 78.8%+17.2pp | 68.7%+27.3pp |
| Annual return | -3.52% | 5.22%-8.7pp | 10.68%-14.2pp | 2041.45%-2045.0pp |
| Employer contribution / active EE | $3 | $2,021-99.9% | $3,587-99.9% | $2,203-99.9% |
| Participant deferral / active EE | $8,206 | $3,143+161.1% | $4,320+89.9% | $3,192+157.1% |
| Admin fee / account holder | $419 | $4,265-90.2% | $6,269-93.3% | $4,297-90.2% |