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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 | $10,934 | $118,467-90.8% | $98,450-88.9% | $139,456-92.2% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 19.54% | 18.95%+0.6pp | 21.16%-1.6pp | 373.45%-353.9pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,875 | $5,393-65.2% | $4,739-60.4% | $6,711-72.1% |
| Admin fee / account holder | $2,081 | $14,057-85.2% | $8,961-76.8% | $11,407-81.8% |