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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 | $21,264 | $105,210-79.8% | $159,487-86.7% | $85,851-75.2% |
| Participation rate | 81.4% | 75.8%+5.6pp | 82.8%-1.5pp | 69.3%+12.0pp |
| Annual return | 12.96% | 45.08%-32.1pp | 263.71%-250.7pp | 318.63%-305.7pp |
| Employer contribution / active EE | $1,482 | $3,319-55.3% | $4,831-69.3% | $2,565-42.2% |
| Participant deferral / active EE | $4,228 | $5,946-28.9% | $7,354-42.5% | $3,952+7.0% |
| Admin fee / account holder | $1,112 | $6,934-84.0% | $10,804-89.7% | $6,261-82.2% |