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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 | $21,976 | $80,983-72.9% | $96,544-77.2% | $75,177-70.8% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 17.71% | 27.05%-9.3pp | 25.88%-8.2pp | 160.75%-143.0pp |
| Employer contribution / active EE | $5,212 | $2,282+128.4% | $2,966+75.7% | $2,671+95.1% |
| Participant deferral / active EE | $3,316 | $3,929-15.6% | $4,851-31.7% | $4,126-19.6% |
| Admin fee / account holder | $427 | $6,717-93.6% | $8,254-94.8% | $5,651-92.5% |