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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 | $17,967 | $73,787-75.6% | $98,716-81.8% | $82,448-78.2% |
| Participation rate | 74.3% | 61.4%+12.9pp | 69.3%+5.0pp | 68.1%+6.2pp |
| Annual return | 20.34% | 18.57%+1.8pp | 31.81%-11.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,003 | $1,511+32.5% | $2,279-12.1% | $2,551-21.5% |
| Participant deferral / active EE | $5,132 | $3,081+66.5% | $4,048+26.8% | $4,139+24.0% |
| Admin fee / account holder | $2,479 | $6,500-61.9% | $8,703-71.5% | $7,234-65.7% |