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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 | $16,154 | $81,870-80.3% | $119,634-86.5% | $68,490-76.4% |
| Participation rate | 78.1% | 71.9%+6.2pp | 79.3%-1.1pp | 67.9%+10.2pp |
| Annual return | -15.07% | -23.82%+8.8pp | -14.98%-0.1pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,912 | $2,692-29.0% | $4,232-54.8% | $2,597-26.4% |
| Participant deferral / active EE | $3,287 | $4,148-20.8% | $5,601-41.3% | $4,028-18.4% |
| Admin fee / account holder | $1,747 | $6,583-73.5% | $10,329-83.1% | $5,403-67.7% |