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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 | $111,802 | $60,349+85.3% | $74,184+50.7% | $62,881+77.8% |
| Participation rate | 72.4% | 72.7%-0.3pp | 76.6%-4.2pp | 69.3%+3.1pp |
| Annual return | 1.89% | 21.38%-19.5pp | 17.74%-15.8pp | 20.14%-18.3pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,361 | $2,856+157.7% | $3,550+107.4% | $3,203+129.8% |
| Admin fee / account holder | $40,993 | $4,261+862.1% | $5,586+633.9% | $4,296+854.3% |