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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 | $7,855 | $93,345-91.6% | $119,126-93.4% | $87,485-91.0% |
| Participation rate | 89.7% | 68.7%+20.9pp | 75.8%+13.9pp | 68.9%+20.7pp |
| Annual return | 18.84% | 19.08%-0.2pp | 282.11%-263.3pp | 26.06%-7.2pp |
| Employer contribution / active EE | $6,648 | $3,172+109.6% | $4,034+64.8% | $2,596+156.1% |
| Participant deferral / active EE | $0 | $4,099-100.0% | $5,318-100.0% | $4,274-100.0% |
| Admin fee / account holder | $309 | $8,039-96.2% | $10,693-97.1% | $7,775-96.0% |