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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 | $5,191 | $72,273-92.8% | $101,275-94.9% | $79,856-93.5% |
| Participation rate | 80.6% | 68.5%+12.1pp | 75.8%+4.7pp | 69.6%+10.9pp |
| Annual return | 11.05% | 22.30%-11.2pp | 46.48%-35.4pp | 31.71%-20.7pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,715 | $3,282+13.2% | $4,371-15.0% | $3,741-0.7% |
| Admin fee / account holder | $551 | $4,401-87.5% | $5,948-90.7% | $5,306-89.6% |