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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 | $5,852 | $58,627-90.0% | $76,735-92.4% | $82,448-92.9% |
| Participation rate | 98.0% | 63.2%+34.7pp | 69.5%+28.5pp | 68.1%+29.9pp |
| Annual return | 21.82% | 39.10%-17.3pp | 29.77%-8.0pp | 41.64%-19.8pp |
| Employer contribution / active EE | $986 | $1,729-43.0% | $2,454-59.8% | $2,551-61.3% |
| Participant deferral / active EE | $1,630 | $3,134-48.0% | $4,088-60.1% | $4,139-60.6% |
| Admin fee / account holder | $837 | $5,323-84.3% | $7,189-88.4% | $7,234-88.4% |