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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 | $11,302 | $93,345-87.9% | $119,126-90.5% | $87,485-87.1% |
| Participation rate | 84.0% | 68.7%+15.3pp | 75.8%+8.2pp | 68.9%+15.1pp |
| Annual return | 24.04% | 19.08%+5.0pp | 282.11%-258.1pp | 26.06%-2.0pp |
| Employer contribution / active EE | $1,516 | $3,172-52.2% | $4,034-62.4% | $2,596-41.6% |
| Participant deferral / active EE | $1,983 | $4,099-51.6% | $5,318-62.7% | $4,274-53.6% |
| Admin fee / account holder | $536 | $8,039-93.3% | $10,693-95.0% | $7,775-93.1% |