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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 | $5,713 | $116,434-95.1% | $65,583-91.3% | $139,487-95.9% |
| Participation rate | 100.0% | 67.9%+32.1pp | 65.0%+35.0pp | 80.3%+19.7pp |
| Annual return | 20.71% | 31.34%-10.6pp | 47.46%-26.8pp | 373.84%-353.1pp |
| Employer contribution / active EE | $2,537 | $2,602-2.5% | $1,692+49.9% | $4,755-46.7% |
| Participant deferral / active EE | $3,781 | $4,245-10.9% | $2,833+33.5% | $6,713-43.7% |
| Admin fee / account holder | $3,429 | $6,696-48.8% | $4,112-16.6% | $11,407-69.9% |