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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 | $26,159 | $91,537-71.4% | $130,045-79.9% | $75,173-65.2% |
| Participation rate | 82.8% | 71.5%+11.3pp | 78.5%+4.3pp | 67.2%+15.6pp |
| Annual return | 17.38% | -631.55%+648.9pp | -137.30%+154.7pp | 160.72%-143.3pp |
| Employer contribution / active EE | $1,857 | $2,845-34.7% | $4,321-57.0% | $2,671-30.5% |
| Participant deferral / active EE | $4,415 | $4,343+1.7% | $5,820-24.1% | $4,126+7.0% |
| Admin fee / account holder | $606 | $6,780-91.1% | $10,600-94.3% | $5,651-89.3% |