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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 | $17,142 | $88,672-80.7% | $105,223-83.7% | $82,448-79.2% |
| Participation rate | 77.3% | 67.9%+9.3pp | 75.0%+2.2pp | 68.1%+9.2pp |
| Annual return | 14.40% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.2pp |
| Employer contribution / active EE | $4,228 | $3,048+38.7% | $3,689+14.6% | $2,551+65.7% |
| Participant deferral / active EE | $0 | $4,036-100.0% | $5,072-100.0% | $4,139-100.0% |
| Admin fee / account holder | $1,322 | $7,146-81.5% | $8,859-85.1% | $7,234-81.7% |