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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 | $30,485 | $123,793-75.4% | $177,848-82.9% | $79,856-61.8% |
| Participation rate | 72.1% | 84.7%-12.6pp | 87.7%-15.6pp | 69.6%+2.5pp |
| Annual return | 41.27% | 22.82%+18.4pp | 48.33%-7.1pp | 31.71%+9.6pp |
| Employer contribution / active EE | $2,951 | $4,095-27.9% | $5,919-50.1% | $2,471+19.4% |
| Participant deferral / active EE | $9,316 | $5,956+56.4% | $7,714+20.8% | $3,741+149.0% |
| Admin fee / account holder | $340 | $7,243-95.3% | $12,431-97.3% | $5,306-93.6% |