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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 | $16,413 | $64,324-74.5% | $118,914-86.2% | $79,856-79.4% |
| Participation rate | 84.1% | 64.9%+19.2pp | 75.4%+8.7pp | 69.6%+14.5pp |
| Annual return | 15.78% | 86.45%-70.7pp | 35.89%-20.1pp | 31.71%-15.9pp |
| Employer contribution / active EE | $2,219 | $1,836+20.9% | $3,264-32.0% | $2,471-10.2% |
| Participant deferral / active EE | $3,743 | $2,824+32.6% | $4,266-12.2% | $3,741+0.1% |
| Admin fee / account holder | $1,071 | $4,040-73.5% | $6,582-83.7% | $5,306-79.8% |