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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 | $16,146 | $75,963-78.7% | $97,995-83.5% | $70,124-77.0% |
| Participation rate | 75.9% | 77.0%-1.1pp | 82.4%-6.5pp | 69.5%+6.3pp |
| Annual return | 0.00% | 19.26%-19.3pp | 23.94%-23.9pp | 73.14%-73.1pp |
| Employer contribution / active EE | $2,111 | $3,278-35.6% | $4,158-49.2% | $2,342-9.9% |
| Participant deferral / active EE | $3,711 | $4,053-8.4% | $5,097-27.2% | $3,332+11.4% |
| Admin fee / account holder | $1,865 | $5,407-65.5% | $5,943-68.6% | $4,645-59.9% |