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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 | $55,889-93.0% | $76,119-94.9% | $80,935-95.2% |
| Participation rate | 88.0% | 62.1%+25.9pp | 69.1%+18.9pp | 67.7%+20.3pp |
| Annual return | 17.49% | 20.58%-3.1pp | 361.25%-343.8pp | 35.66%-18.2pp |
| Employer contribution / active EE | $630 | $1,866-66.2% | $2,693-76.6% | $2,757-77.1% |
| Participant deferral / active EE | $1,712 | $3,051-43.9% | $4,259-59.8% | $4,299-60.2% |
| Admin fee / account holder | $665 | $5,241-87.3% | $6,421-89.7% | $6,924-90.4% |