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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 | $7,761 | $150,412-94.8% | $120,574-93.6% | $145,884-94.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 10.21% | 154.50%-144.3pp | 107.42%-97.2pp | 551.85%-541.6pp |
| Employer contribution / active EE | $2,151 | $4,355-50.6% | $3,471-38.0% | $4,662-53.9% |
| Participant deferral / active EE | $1,886 | $6,175-69.5% | $4,996-62.2% | $6,690-71.8% |
| Admin fee / account holder | $1,483 | $12,224-87.9% | $9,445-84.3% | $13,392-88.9% |