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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 | $16,972 | $65,364-74.0% | $92,909-81.7% | $72,975-76.7% |
| Participation rate | 80.5% | 68.3%+12.2pp | 76.0%+4.5pp | 69.5%+11.0pp |
| Annual return | 26.49% | 42.11%-15.6pp | 109.44%-82.9pp | 81.01%-54.5pp |
| Employer contribution / active EE | $4,480 | $2,594+72.7% | $3,653+22.6% | $2,440+83.6% |
| Participant deferral / active EE | $2,064 | $3,128-34.0% | $4,238-51.3% | $3,608-42.8% |
| Admin fee / account holder | $645 | $4,251-84.8% | $5,795-88.9% | $5,124-87.4% |