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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 | $150,207-94.8% | $120,380-93.6% | $145,978-94.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 10.21% | 154.28%-144.1pp | 107.28%-97.1pp | 550.52%-540.3pp |
| Employer contribution / active EE | $2,151 | $4,351-50.5% | $3,465-37.9% | $4,662-53.8% |
| Participant deferral / active EE | $1,886 | $6,175-69.5% | $4,992-62.2% | $6,690-71.8% |
| Admin fee / account holder | $1,483 | $12,203-87.9% | $9,421-84.3% | $13,400-88.9% |