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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 | $7,082 | $48,267-85.3% | $68,808-89.7% | $68,486-89.7% |
| Participation rate | 95.0% | 60.7%+34.3pp | 69.0%+26.0pp | 67.9%+27.1pp |
| Annual return | -12.13% | -12.70%+0.6pp | -6.37%-5.8pp | -7.85%-4.3pp |
| Employer contribution / active EE | $1,529 | $1,829-16.4% | $2,656-42.4% | $2,597-41.1% |
| Participant deferral / active EE | $2,015 | $2,867-29.7% | $3,942-48.9% | $4,028-50.0% |
| Admin fee / account holder | $514 | $4,362-88.2% | $4,936-89.6% | $5,404-90.5% |