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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 | $10,403 | $183,516-94.3% | $155,534-93.3% | $145,884-92.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.46% | 61.43%-45.0pp | 64.92%-48.5pp | 551.85%-535.4pp |
| Employer contribution / active EE | $2,057 | $5,315-61.3% | $4,675-56.0% | $4,662-55.9% |
| Participant deferral / active EE | $4,580 | $6,467-29.2% | $5,630-18.7% | $6,690-31.5% |
| Admin fee / account holder | $1,483 | $19,293-92.3% | $15,900-90.7% | $13,392-88.9% |