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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 | $16,949 | $89,367-81.0% | $141,191-88.0% | $72,975-76.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 19.35% | 111.87%-92.5pp | 71.41%-52.1pp | 81.01%-61.7pp |
| Employer contribution / active EE | $1,676 | $3,115-46.2% | $4,736-64.6% | $2,440-31.3% |
| Participant deferral / active EE | $3,550 | $5,419-34.5% | $6,710-47.1% | $3,608-1.6% |
| Admin fee / account holder | $1,347 | $5,957-77.4% | $10,264-86.9% | $5,124-73.7% |