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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 | $47,967 | $183,539-73.9% | $155,556-69.2% | $145,897-67.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.68% | 61.31%-54.6pp | 64.84%-58.2pp | 552.29%-545.6pp |
| Employer contribution / active EE | $800 | $5,315-84.9% | $4,675-82.9% | $4,663-82.8% |
| Participant deferral / active EE | $8,404 | $6,467+30.0% | $5,631+49.2% | $6,689+25.6% |
| Admin fee / account holder | $450 | $19,275-97.7% | $15,885-97.2% | $13,390-96.6% |