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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 | $39,904 | $118,708-66.4% | $98,920-59.7% | $158,982-74.9% |
| Participation rate | 75.0% | 77.8%-2.8pp | 76.0%-1.0pp | 82.0%-7.0pp |
| Annual return | 1.40% | 372.49%-371.1pp | 196.47%-195.1pp | 302.99%-301.6pp |
| Employer contribution / active EE | $395 | $3,334-88.1% | $2,689-85.3% | $4,763-91.7% |
| Participant deferral / active EE | $2,009 | $5,089-60.5% | $4,245-52.7% | $5,983-66.4% |
| Admin fee / account holder | $876 | $10,134-91.4% | $6,643-86.8% | $11,252-92.2% |