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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 | $15,660 | $71,873-78.2% | $86,698-81.9% | $68,490-77.1% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | 3.06% | 3.54%-0.5pp | 35.96%-32.9pp | -7.85%+10.9pp |
| Employer contribution / active EE | $3,885 | $2,173+78.7% | $2,837+36.9% | $2,597+49.6% |
| Participant deferral / active EE | $2,411 | $3,779-36.2% | $4,656-48.2% | $4,028-40.1% |
| Admin fee / account holder | $986 | $6,110-83.9% | $7,492-86.8% | $5,403-81.8% |