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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 | $22,278 | $109,359-79.6% | $162,185-86.3% | $72,976-69.5% |
| Participation rate | 80.7% | 84.3%-3.6pp | 87.6%-6.9pp | 69.5%+11.2pp |
| Annual return | 25.57% | 25.46%+0.1pp | 115.61%-90.0pp | 81.02%-55.4pp |
| Employer contribution / active EE | $1,861 | $3,907-52.4% | $5,613-66.8% | $2,440-23.7% |
| Participant deferral / active EE | $5,684 | $5,481+3.7% | $7,297-22.1% | $3,608+57.5% |
| Admin fee / account holder | $2,233 | $7,972-72.0% | $10,844-79.4% | $5,124-56.4% |