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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 | $18,048 | $65,704-72.5% | $94,229-80.8% | $59,633-69.7% |
| Participation rate | 98.9% | 72.1%+26.8pp | 78.8%+20.2pp | 68.7%+30.3pp |
| Annual return | -1.12% | 5.22%-6.3pp | 10.68%-11.8pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $1,173 | $2,021-41.9% | $3,587-67.3% | $2,203-46.7% |
| Participant deferral / active EE | $1,699 | $3,143-45.9% | $4,320-60.7% | $3,192-46.8% |
| Admin fee / account holder | $1,057 | $4,265-75.2% | $6,269-83.1% | $4,297-75.4% |