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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 | $33,585 | $71,192-52.8% | $117,861-71.5% | $62,293-46.1% |
| Participation rate | 79.4% | 74.2%+5.2pp | 79.7%-0.3pp | 69.5%+9.9pp |
| Annual return | 9.64% | 18.66%-9.0pp | 335.11%-325.5pp | 28.90%-19.3pp |
| Employer contribution / active EE | $35 | $1,934-98.2% | $3,786-99.1% | $2,042-98.3% |
| Participant deferral / active EE | $1,697 | $3,189-46.8% | $4,482-62.1% | $3,169-46.5% |
| Admin fee / account holder | $2,888 | $587+391.8% | $8,021-64.0% | $479+502.6% |