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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 | $15,671 | $99,994-84.3% | $146,643-89.3% | $85,847-81.7% |
| Participation rate | 81.4% | 73.1%+8.3pp | 80.1%+1.3pp | 69.3%+12.1pp |
| Annual return | 15.72% | 18.93%-3.2pp | 22.75%-7.0pp | 318.61%-302.9pp |
| Employer contribution / active EE | $1,429 | $2,559-44.2% | $4,137-65.5% | $2,565-44.3% |
| Participant deferral / active EE | $3,809 | $4,006-4.9% | $5,506-30.8% | $3,952-3.6% |
| Admin fee / account holder | $3,404 | $7,703-55.8% | $10,280-66.9% | $6,261-45.6% |