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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 | $11,300 | $88,672-87.3% | $105,223-89.3% | $82,448-86.3% |
| Participation rate | 96.8% | 67.9%+28.8pp | 75.0%+21.7pp | 68.1%+28.7pp |
| Annual return | 21.18% | 30.86%-9.7pp | 180.65%-159.5pp | 41.64%-20.5pp |
| Employer contribution / active EE | $1,295 | $3,048-57.5% | $3,689-64.9% | $2,551-49.3% |
| Participant deferral / active EE | $3,470 | $4,036-14.0% | $5,072-31.6% | $4,139-16.2% |
| Admin fee / account holder | $612 | $7,146-91.4% | $8,859-93.1% | $7,234-91.5% |