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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 | $10,882 | $76,642-85.8% | $146,866-92.6% | $65,306-83.3% |
| Participation rate | 77.5% | 61.2%+16.2pp | 82.5%-5.1pp | 57.7%+19.8pp |
| Annual return | 22.15% | 33.40%-11.2pp | 102.85%-80.7pp | 21.94%+0.2pp |
| Employer contribution / active EE | $1,322 | $2,621-49.5% | $4,425-70.1% | $1,967-32.8% |
| Participant deferral / active EE | $2,298 | $4,864-52.8% | $7,759-70.4% | $2,959-22.3% |
| Admin fee / account holder | $1,615 | $3,960-59.2% | $13,620-88.1% | $3,480-53.6% |