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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 | $77,643 | $59,804+29.8% | $81,982-5.3% | $79,856-2.8% |
| Participation rate | 78.6% | 61.6%+16.9pp | 69.3%+9.3pp | 69.6%+8.9pp |
| Annual return | 7.40% | 17.56%-10.2pp | 41.31%-33.9pp | 31.71%-24.3pp |
| Employer contribution / active EE | $164 | $1,713-90.4% | $2,498-93.4% | $2,471-93.4% |
| Participant deferral / active EE | $4,731 | $2,695+75.5% | $3,722+27.1% | $3,741+26.5% |
| Admin fee / account holder | $4,462 | $4,288+4.1% | $5,665-21.2% | $5,306-15.9% |