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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 | $9,263 | $64,729-85.7% | $112,263-91.7% | $68,490-86.5% |
| Participation rate | 94.3% | 67.2%+27.1pp | 75.1%+19.2pp | 67.9%+26.4pp |
| Annual return | -17.04% | -11.40%-5.6pp | 27.49%-44.5pp | -7.85%-9.2pp |
| Employer contribution / active EE | $2,051 | $2,746-25.3% | $3,636-43.6% | $2,597-21.0% |
| Participant deferral / active EE | $3,329 | $3,566-6.6% | $4,729-29.6% | $4,028-17.4% |
| Admin fee / account holder | $441 | $5,222-91.5% | $6,410-93.1% | $5,403-91.8% |