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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 | $20,792 | $80,674-74.2% | $119,126-82.5% | $64,340-67.7% |
| Participation rate | 70.9% | 55.2%+15.7pp | 75.8%-4.9pp | 55.2%+15.6pp |
| Annual return | 22.20% | 26.86%-4.7pp | 282.11%-259.9pp | 24.14%-1.9pp |
| Employer contribution / active EE | $1,012 | $2,564-60.5% | $4,034-74.9% | $1,862-45.7% |
| Participant deferral / active EE | $1,890 | $3,053-38.1% | $5,318-64.5% | $2,980-36.6% |
| Admin fee / account holder | $1,062 | $4,559-76.7% | $10,693-90.1% | $3,703-71.3% |