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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 | $47,202 | $65,364-27.8% | $92,909-49.2% | $72,975-35.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 16.29% | 42.11%-25.8pp | 109.44%-93.1pp | 81.01%-64.7pp |
| Employer contribution / active EE | $9,193 | $2,594+254.4% | $3,653+151.6% | $2,440+276.8% |
| Participant deferral / active EE | $0 | $3,128-100.0% | $4,238-100.0% | $3,608-100.0% |
| Admin fee / account holder | $1,459 | $4,251-65.7% | $5,795-74.8% | $5,124-71.5% |