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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 | $30,239 | $108,825-72.2% | $156,181-80.6% | $82,448-63.3% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 16.08% | 20.59%-4.5pp | 64.87%-48.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $859 | $2,870-70.1% | $4,294-80.0% | $2,551-66.3% |
| Participant deferral / active EE | $5,221 | $4,577+14.1% | $6,132-14.9% | $4,139+26.1% |
| Admin fee / account holder | $2,018 | $9,341-78.4% | $14,586-86.2% | $7,234-72.1% |