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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 | $70,404 | $91,559-23.1% | $133,978-47.5% | $79,856-11.8% |
| Participation rate | 78.8% | 73.3%+5.4pp | 79.8%-1.1pp | 69.6%+9.1pp |
| Annual return | 9.16% | 61.85%-52.7pp | 45.10%-35.9pp | 31.71%-22.6pp |
| Employer contribution / active EE | $347 | $2,384-85.5% | $3,919-91.2% | $2,471-86.0% |
| Participant deferral / active EE | $4,858 | $3,734+30.1% | $5,047-3.8% | $3,741+29.9% |
| Admin fee / account holder | $9,567 | $6,321+51.4% | $8,930+7.1% | $5,306+80.3% |