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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 | $88,360-87.7% | $145,433-92.5% | $67,986-84.0% |
| Participation rate | 77.5% | 65.5%+12.0pp | 82.1%-4.7pp | 57.2%+20.2pp |
| Annual return | 22.15% | 63.15%-41.0pp | 66.58%-44.4pp | 31.67%-9.5pp |
| Employer contribution / active EE | $1,322 | $3,054-56.7% | $4,554-71.0% | $2,019-34.5% |
| Participant deferral / active EE | $2,298 | $5,932-61.3% | $7,897-70.9% | $3,358-31.6% |
| Admin fee / account holder | $1,615 | $3,313-51.3% | $13,129-87.7% | $3,203-49.6% |