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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 | $10,882 | $82,133-86.8% | $147,318-92.6% | $64,097-83.0% |
| Participation rate | 77.5% | 62.3%+15.2pp | 82.1%-4.6pp | 55.2%+22.3pp |
| Annual return | 22.15% | 78.78%-56.6pp | 70.43%-48.3pp | 34.64%-12.5pp |
| Employer contribution / active EE | $1,322 | $2,872-54.0% | $4,593-71.2% | $1,891-30.1% |
| Participant deferral / active EE | $2,298 | $5,407-57.5% | $7,906-70.9% | $3,080-25.4% |
| Admin fee / account holder | $1,615 | $3,730-56.7% | $13,708-88.2% | $3,454-53.3% |