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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 | $3,907 | $56,063-93.0% | $76,051-94.9% | $80,911-95.2% |
| Participation rate | 88.0% | 62.0%+26.0pp | 69.1%+18.9pp | 67.6%+20.4pp |
| Annual return | 17.49% | 20.54%-3.1pp | 360.42%-342.9pp | 35.63%-18.1pp |
| Employer contribution / active EE | $630 | $1,874-66.4% | $2,690-76.6% | $2,756-77.1% |
| Participant deferral / active EE | $1,712 | $3,052-43.9% | $4,257-59.8% | $4,297-60.1% |
| Admin fee / account holder | $665 | $5,240-87.3% | $6,416-89.6% | $6,935-90.4% |