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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 | $18,135 | $98,776-81.6% | $149,745-87.9% | $79,856-77.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 19.44% | 27.38%-7.9pp | 276.72%-257.3pp | 31.71%-12.3pp |
| Employer contribution / active EE | $2,361 | $3,217-26.6% | $4,646-49.2% | $2,471-4.5% |
| Participant deferral / active EE | $2,677 | $5,681-52.9% | $6,843-60.9% | $3,741-28.4% |
| Admin fee / account holder | $2,783 | $6,053-54.0% | $9,312-70.1% | $5,306-47.5% |