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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 | $13,907 | $77,817-82.1% | $123,553-88.7% | $64,173-78.3% |
| Participation rate | 85.2% | 74.7%+10.5pp | 82.3%+2.9pp | 69.6%+15.6pp |
| Annual return | -4.51% | 12.49%-17.0pp | 119.21%-123.7pp | 7.63%-12.1pp |
| Employer contribution / active EE | $2,971 | $3,014-1.4% | $4,628-35.8% | $2,381+24.8% |
| Participant deferral / active EE | $4,753 | $5,240-9.3% | $6,426-26.0% | $3,470+37.0% |
| Admin fee / account holder | $1,050 | $5,519-81.0% | $9,284-88.7% | $4,887-78.5% |