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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 | $17,403 | $102,828-83.1% | $105,387-83.5% | $152,909-88.6% |
| Participation rate | 83.3% | 83.8%-0.4pp | 82.6%+0.8pp | 82.5%+0.9pp |
| Annual return | 0.00% | 20.85%-20.9pp | 26.82%-26.8pp | 345.46%-345.5pp |
| Employer contribution / active EE | $2,402 | $4,473-46.3% | $4,213-43.0% | $4,764-49.6% |
| Participant deferral / active EE | $4,036 | $5,465-26.2% | $5,502-26.7% | $5,851-31.0% |
| Admin fee / account holder | $1,650 | $8,683-81.0% | $6,559-74.8% | $11,601-85.8% |