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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 | $20,792 | $80,332-74.1% | $107,187-80.6% | $64,097-67.6% |
| Participation rate | 70.9% | 54.4%+16.5pp | 75.0%-4.2pp | 55.2%+15.7pp |
| Annual return | 22.20% | 24.26%-2.1pp | 204.55%-182.3pp | 34.64%-12.4pp |
| Employer contribution / active EE | $1,012 | $2,501-59.5% | $3,782-73.2% | $1,891-46.5% |
| Participant deferral / active EE | $1,890 | $3,109-39.2% | $5,096-62.9% | $3,080-38.6% |
| Admin fee / account holder | $1,062 | $4,314-75.4% | $9,162-88.4% | $3,454-69.3% |