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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 | $13,756 | $77,896-82.3% | $134,172-89.7% | $82,448-83.3% |
| Participation rate | 100.0% | 62.8%+37.2pp | 72.5%+27.5pp | 68.1%+31.9pp |
| Annual return | 21.87% | 18.21%+3.7pp | 25.30%-3.4pp | 41.64%-19.8pp |
| Employer contribution / active EE | $1,826 | $2,159-15.4% | $3,420-46.6% | $2,551-28.4% |
| Participant deferral / active EE | $2,612 | $3,162-17.4% | $4,690-44.3% | $4,139-36.9% |
| Admin fee / account holder | $368 | $6,336-94.2% | $12,016-96.9% | $7,234-94.9% |