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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 | $16,881 | $87,132-80.6% | $105,624-84.0% | $80,959-79.1% |
| Participation rate | 88.9% | 70.4%+18.5pp | 75.3%+13.6pp | 67.7%+21.2pp |
| Annual return | 14.23% | 17.03%-2.8pp | 116.20%-102.0pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,208 | $2,397-49.6% | $3,168-61.9% | $2,757-56.2% |
| Participant deferral / active EE | $2,939 | $3,985-26.2% | $5,013-41.4% | $4,300-31.6% |
| Admin fee / account holder | $1,088 | $8,449-87.1% | $10,961-90.1% | $6,925-84.3% |