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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 | $3,890 | $110,337-96.5% | $102,383-96.2% | $145,877-97.3% |
| Participation rate | 94.4% | 77.9%+16.5pp | 74.5%+19.9pp | 80.3%+14.1pp |
| Annual return | 14.53% | 24.83%-10.3pp | 24.94%-10.4pp | 551.28%-536.8pp |
| Employer contribution / active EE | $1,646 | $4,216-60.9% | $3,870-57.5% | $4,663-64.7% |
| Participant deferral / active EE | $2,593 | $5,621-53.9% | $5,060-48.8% | $6,691-61.2% |
| Admin fee / account holder | $1,282 | $9,750-86.8% | $8,391-84.7% | $13,402-90.4% |