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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 | $19,464 | $93,589-79.2% | $135,942-85.7% | $75,181-74.1% |
| Participation rate | 81.5% | 75.2%+6.3pp | 81.9%-0.4pp | 67.2%+14.3pp |
| Annual return | 20.24% | 30.90%-10.7pp | 68.28%-48.0pp | 160.69%-140.4pp |
| Employer contribution / active EE | $1,488 | $3,537-57.9% | $4,858-69.4% | $2,671-44.3% |
| Participant deferral / active EE | $2,640 | $6,405-58.8% | $7,759-66.0% | $4,126-36.0% |
| Admin fee / account holder | $3,141 | $6,977-55.0% | $10,764-70.8% | $5,650-44.4% |