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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 | $7,353 | $73,988-90.1% | $96,538-92.4% | $75,177-90.2% |
| Participation rate | 74.2% | 66.4%+7.8pp | 74.3%-0.2pp | 67.2%+7.0pp |
| Annual return | 14.02% | 26.73%-12.7pp | 35.74%-21.7pp | 160.75%-146.7pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,455 | $3,660-32.9% | $4,880-49.7% | $4,126-40.5% |
| Admin fee / account holder | $1,594 | $5,220-69.5% | $6,737-76.3% | $5,651-71.8% |