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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 | $5,239 | $77,908-93.3% | $149,696-96.5% | $75,173-93.0% |
| Participation rate | 89.2% | 65.6%+23.6pp | 78.8%+10.4pp | 67.2%+22.0pp |
| Annual return | 33.53% | 31.73%+1.8pp | 134.46%-100.9pp | 160.72%-127.2pp |
| Employer contribution / active EE | $988 | $3,138-68.5% | $4,821-79.5% | $2,671-63.0% |
| Participant deferral / active EE | $2,102 | $3,411-38.4% | $5,682-63.0% | $4,126-49.1% |
| Admin fee / account holder | $1,731 | $5,950-70.9% | $13,212-86.9% | $5,651-69.4% |