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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 | $14,435 | $53,774-73.2% | $134,162-89.2% | $79,852-81.9% |
| Participation rate | 100.0% | 58.8%+41.2pp | 72.2%+27.8pp | 69.6%+30.4pp |
| Annual return | 19.58% | 19.01%+0.6pp | 36.35%-16.8pp | 31.72%-12.1pp |
| Employer contribution / active EE | $5,027 | $1,322+280.4% | $3,705+35.7% | $2,471+103.4% |
| Participant deferral / active EE | $4,429 | $2,420+83.0% | $3,500+26.6% | $3,740+18.4% |
| Admin fee / account holder | $1,045 | $3,985-73.8% | $6,685-84.4% | $5,306-80.3% |