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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 | $21,219 | $125,797-83.1% | $170,043-87.5% | $75,173-71.8% |
| Participation rate | 79.7% | 83.6%-3.9pp | 87.0%-7.3pp | 67.2%+12.5pp |
| Annual return | 17.38% | 27.20%-9.8pp | 53.40%-36.0pp | 160.72%-143.3pp |
| Employer contribution / active EE | $1,908 | $4,616-58.7% | $6,790-71.9% | $2,671-28.6% |
| Participant deferral / active EE | $4,240 | $6,838-38.0% | $10,410-59.3% | $4,126+2.8% |
| Admin fee / account holder | $1,002 | $8,177-87.7% | $12,824-92.2% | $5,651-82.3% |