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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 | $25,877 | $81,208-68.1% | $98,920-73.8% | $79,856-67.6% |
| Participation rate | 84.8% | 72.5%+12.3pp | 76.0%+8.8pp | 69.6%+15.2pp |
| Annual return | 12.80% | 60.99%-48.2pp | 196.47%-183.7pp | 31.71%-18.9pp |
| Employer contribution / active EE | $1,209 | $1,960-38.3% | $2,689-55.1% | $2,471-51.1% |
| Participant deferral / active EE | $3,565 | $3,265+9.2% | $4,245-16.0% | $3,741-4.7% |
| Admin fee / account holder | $3,209 | $6,013-46.6% | $6,643-51.7% | $5,306-39.5% |