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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 | $138,263 | $181,896-24.0% | $156,551-11.7% | $273,972-49.5% |
| Participation rate | 90.9% | 88.4%+2.5pp | 84.0%+6.9pp | 83.0%+7.9pp |
| Annual return | 1.87% | 30.74%-28.9pp | 32.23%-30.4pp | 41.46%-39.6pp |
| Employer contribution / active EE | $429 | $6,248-93.1% | $5,501-92.2% | $4,869-91.2% |
| Participant deferral / active EE | $1,974 | $5,550-64.4% | $4,871-59.5% | $5,287-62.7% |
| Admin fee / account holder | $716 | $15,560-95.4% | $13,028-94.5% | $10,133-92.9% |