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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 | $20,555 | $171,492-88.0% | $150,734-86.4% | $198,609-89.7% |
| Participation rate | 93.8% | 81.4%+12.3pp | 78.4%+15.3pp | 82.4%+11.4pp |
| Annual return | 15.96% | 804.70%-788.7pp | 600.81%-584.8pp | 202.70%-186.7pp |
| Employer contribution / active EE | $1,829 | $5,470-66.6% | $4,918-62.8% | $5,055-63.8% |
| Participant deferral / active EE | $2,812 | $6,259-55.1% | $5,610-49.9% | $6,977-59.7% |
| Admin fee / account holder | $2,706 | $17,628-84.7% | $14,905-81.8% | $19,030-85.8% |