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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $8,129 | $59,834-86.4% | $79,576-89.8% | $68,495-88.1% |
| Participation rate | 78.2% | 61.1%+17.1pp | 69.5%+8.7pp | 67.9%+10.3pp |
| Annual return | -18.28% | -12.30%-6.0pp | 0.15%-18.4pp | -7.84%-10.4pp |
| Employer contribution / active EE | $605 | $1,505-59.8% | $2,413-74.9% | $2,596-76.7% |
| Participant deferral / active EE | $1,792 | $3,024-40.8% | $3,985-55.0% | $4,028-55.5% |
| Admin fee / account holder | $904 | $4,835-81.3% | $6,834-86.8% | $5,403-83.3% |