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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 | $16,513 | $93,589-82.4% | $135,942-87.9% | $75,181-78.0% |
| Participation rate | 98.2% | 75.2%+23.0pp | 81.9%+16.3pp | 67.2%+31.0pp |
| Annual return | 18.18% | 30.90%-12.7pp | 68.28%-50.1pp | 160.69%-142.5pp |
| Employer contribution / active EE | $2,041 | $3,537-42.3% | $4,858-58.0% | $2,671-23.6% |
| Participant deferral / active EE | $3,759 | $6,405-41.3% | $7,759-51.6% | $4,126-8.9% |
| Admin fee / account holder | $4,898 | $6,977-29.8% | $10,764-54.5% | $5,650-13.3% |