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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 | $16,881 | $87,037-80.6% | $106,201-84.1% | $80,874-79.1% |
| Participation rate | 88.9% | 70.4%+18.4pp | 75.3%+13.6pp | 67.6%+21.2pp |
| Annual return | 14.23% | 17.05%-2.8pp | 116.26%-102.0pp | 35.62%-21.4pp |
| Employer contribution / active EE | $1,208 | $2,396-49.6% | $3,170-61.9% | $2,756-56.2% |
| Participant deferral / active EE | $2,939 | $3,986-26.3% | $5,012-41.4% | $4,297-31.6% |
| Admin fee / account holder | $1,088 | $8,434-87.1% | $11,039-90.1% | $6,935-84.3% |