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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 | $18,959 | $69,977-72.9% | $108,582-82.5% | $62,881-69.8% |
| Participation rate | 100.0% | 72.9%+27.1pp | 79.6%+20.4pp | 69.3%+30.7pp |
| Annual return | 7.29% | 10.73%-3.4pp | -51.70%+59.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $1,401 | $2,135-34.4% | $3,758-62.7% | $2,281-38.6% |
| Participant deferral / active EE | $1,694 | $3,165-46.5% | $4,311-60.7% | $3,203-47.1% |
| Admin fee / account holder | $1,583 | $5,076-68.8% | $7,645-79.3% | $4,296-63.1% |