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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 | $25,782 | $87,106-70.4% | $105,607-75.6% | $80,935-68.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 12.36% | 17.01%-4.7pp | 116.11%-103.7pp | 35.66%-23.3pp |
| Employer contribution / active EE | $2,517 | $2,396+5.1% | $3,167-20.5% | $2,757-8.7% |
| Participant deferral / active EE | $2,264 | $3,986-43.2% | $5,011-54.8% | $4,299-47.3% |
| Admin fee / account holder | $3,712 | $8,447-56.1% | $10,958-66.1% | $6,924-46.4% |