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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 | $28,616 | $111,814-74.4% | $103,374-72.3% | $145,959-80.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 4.80% | 24.77%-20.0pp | 24.89%-20.1pp | 561.95%-557.1pp |
| Employer contribution / active EE | $358 | $4,214-91.5% | $3,869-90.7% | $4,661-92.3% |
| Participant deferral / active EE | $2,535 | $5,618-54.9% | $5,058-49.9% | $6,689-62.1% |
| Admin fee / account holder | $430 | $9,754-95.6% | $8,394-94.9% | $13,398-96.8% |