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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 | $18,168 | $68,852-73.6% | $120,524-84.9% | $80,925-77.5% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.7%+32.3pp |
| Annual return | 16.85% | 23.67%-6.8pp | 107.36%-90.5pp | 35.65%-18.8pp |
| Employer contribution / active EE | $2,620 | $2,063+27.0% | $3,469-24.5% | $2,756-4.9% |
| Participant deferral / active EE | $4,514 | $3,187+41.7% | $4,994-9.6% | $4,299+5.0% |
| Admin fee / account holder | $635 | $5,781-89.0% | $9,440-93.3% | $6,940-90.8% |