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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 | $13,220 | $111,814-88.2% | $103,374-87.2% | $145,959-90.9% |
| Participation rate | 72.7% | 77.9%-5.2pp | 74.5%-1.8pp | 80.3%-7.6pp |
| Annual return | -12.82% | 24.77%-37.6pp | 24.89%-37.7pp | 561.95%-574.8pp |
| Employer contribution / active EE | $181 | $4,214-95.7% | $3,869-95.3% | $4,661-96.1% |
| Participant deferral / active EE | $2,642 | $5,618-53.0% | $5,058-47.8% | $6,689-60.5% |
| Admin fee / account holder | $2,683 | $9,754-72.5% | $8,394-68.0% | $13,398-80.0% |