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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 | $31,503 | $171,492-81.6% | $150,734-79.1% | $198,609-84.1% |
| Participation rate | 91.7% | 81.4%+10.3pp | 78.4%+13.2pp | 82.4%+9.3pp |
| Annual return | 8.38% | 804.70%-796.3pp | 600.81%-592.4pp | 202.70%-194.3pp |
| Employer contribution / active EE | $5,346 | $5,470-2.3% | $4,918+8.7% | $5,055+5.7% |
| Participant deferral / active EE | $6,722 | $6,259+7.4% | $5,610+19.8% | $6,977-3.7% |
| Admin fee / account holder | $1,432 | $17,628-91.9% | $14,905-90.4% | $19,030-92.5% |