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Participant 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 | $49,944 | $185,312-73.0% | $161,489-69.1% | $154,746-67.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 8.40% | 103.84%-95.4pp | 89.72%-81.3pp | 172.34%-163.9pp |
| Employer contribution / active EE | $1,406 | $4,769-70.5% | $4,268-67.1% | $4,379-67.9% |
| Participant deferral / active EE | $1,069 | $6,350-83.2% | $5,630-81.0% | $6,730-84.1% |
| Admin fee / account holder | $2,576 | $18,654-86.2% | $16,006-83.9% | $14,365-82.1% |