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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 | $19,078 | $81,476-76.6% | $102,383-81.4% | $80,925-76.4% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.34% | 25.59%-14.3pp | 24.94%-13.6pp | 35.65%-24.3pp |
| Employer contribution / active EE | $6,237 | $3,105+100.9% | $3,870+61.1% | $2,756+126.3% |
| Participant deferral / active EE | $2,651 | $3,871-31.5% | $5,060-47.6% | $4,299-38.3% |
| Admin fee / account holder | $905 | $6,717-86.5% | $8,391-89.2% | $6,940-87.0% |