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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 | $3,568 | $56,063-93.6% | $76,051-95.3% | $80,911-95.6% |
| Participation rate | 73.4% | 62.0%+11.4pp | 69.1%+4.3pp | 67.6%+5.8pp |
| Annual return | 25.42% | 20.54%+4.9pp | 360.42%-335.0pp | 35.63%-10.2pp |
| Employer contribution / active EE | $1,030 | $1,874-45.0% | $2,690-61.7% | $2,756-62.6% |
| Participant deferral / active EE | $1,228 | $3,052-59.8% | $4,257-71.2% | $4,297-71.4% |
| Admin fee / account holder | $877 | $5,240-83.3% | $6,416-86.3% | $6,935-87.3% |