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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 | $8,784 | $77,814-88.7% | $158,223-94.4% | $86,983-89.9% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 12.30% | 30.54%-18.2pp | 52.09%-39.8pp | 25.83%-13.5pp |
| Employer contribution / active EE | $943 | $2,592-63.6% | $4,109-77.0% | $2,584-63.5% |
| Participant deferral / active EE | $1,431 | $3,270-56.2% | $5,467-73.8% | $4,194-65.9% |
| Admin fee / account holder | $698 | $5,879-88.1% | $16,047-95.6% | $7,856-91.1% |