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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 | $28,836 | $198,462-85.5% | $170,439-83.1% | $147,585-80.5% |
| Participation rate | 85.7% | 88.0%-2.3pp | 83.6%+2.1pp | 82.8%+2.9pp |
| Annual return | 19.85% | 257.30%-237.5pp | 205.94%-186.1pp | 578.58%-558.7pp |
| Employer contribution / active EE | $3,770 | $6,184-39.0% | $5,433-30.6% | $4,876-22.7% |
| Participant deferral / active EE | $6,123 | $5,629+8.8% | $4,939+24.0% | $5,439+12.6% |
| Admin fee / account holder | $544 | $16,852-96.8% | $13,881-96.1% | $10,886-95.0% |