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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 | $10,233 | $99,652-89.7% | $78,778-87.0% | $147,585-93.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 30.15% | 47.28%-17.1pp | 35.62%-5.5pp | 578.58%-548.4pp |
| Employer contribution / active EE | $2,953 | $2,796+5.6% | $1,986+48.7% | $4,876-39.4% |
| Participant deferral / active EE | $3,498 | $3,664-4.5% | $2,958+18.3% | $5,439-35.7% |
| Admin fee / account holder | $727 | $7,155-89.8% | $5,134-85.8% | $10,886-93.3% |