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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 | $11,683 | $88,672-86.8% | $105,223-88.9% | $82,448-85.8% |
| Participation rate | 89.7% | 67.9%+21.7pp | 75.0%+14.6pp | 68.1%+21.6pp |
| Annual return | 19.61% | 30.86%-11.2pp | 180.65%-161.0pp | 41.64%-22.0pp |
| Employer contribution / active EE | $2,945 | $3,048-3.4% | $3,689-20.2% | $2,551+15.4% |
| Participant deferral / active EE | $4,537 | $4,036+12.4% | $5,072-10.5% | $4,139+9.6% |
| Admin fee / account holder | $2,559 | $7,146-64.2% | $8,859-71.1% | $7,234-64.6% |