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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 | $48,770 | $110,410-55.8% | $102,437-52.4% | $145,897-66.6% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.5%+13.0pp | 80.3%+7.2pp |
| Annual return | 4.42% | 24.85%-20.4pp | 24.95%-20.5pp | 552.29%-547.9pp |
| Employer contribution / active EE | $622 | $4,217-85.2% | $3,871-83.9% | $4,663-86.7% |
| Participant deferral / active EE | $3,547 | $5,622-36.9% | $5,060-29.9% | $6,689-47.0% |
| Admin fee / account holder | $340 | $9,745-96.5% | $8,388-95.9% | $13,390-97.5% |