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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 | $89,529 | $162,136-44.8% | $152,301-41.2% | $154,746-42.1% |
| Participation rate | 71.4% | 84.1%-12.7pp | 82.4%-11.0pp | 80.7%-9.3pp |
| Annual return | 5.03% | 91.02%-86.0pp | 80.50%-75.5pp | 172.34%-167.3pp |
| Employer contribution / active EE | $287 | $4,890-94.1% | $4,624-93.8% | $4,379-93.4% |
| Participant deferral / active EE | $3,950 | $8,341-52.6% | $8,004-50.6% | $6,730-41.3% |
| Admin fee / account holder | $4,502 | $15,759-71.4% | $14,398-68.7% | $14,365-68.7% |