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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 | $10,987 | $99,652-89.0% | $78,778-86.1% | $147,586-92.6% |
| Participation rate | 90.0% | 76.2%+13.8pp | 69.2%+20.8pp | 82.8%+7.2pp |
| Annual return | 22.81% | 47.28%-24.5pp | 35.62%-12.8pp | 578.59%-555.8pp |
| Employer contribution / active EE | $1,473 | $2,796-47.3% | $1,986-25.8% | $4,876-69.8% |
| Participant deferral / active EE | $2,177 | $3,664-40.6% | $2,958-26.4% | $5,439-60.0% |
| Admin fee / account holder | $670 | $7,155-90.6% | $5,134-87.0% | $10,886-93.8% |