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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 | $3,252 | $76,407-95.7% | $150,298-97.8% | $82,448-96.1% |
| Participation rate | 96.9% | 66.4%+30.5pp | 77.8%+19.1pp | 68.1%+28.8pp |
| Annual return | 27.60% | 39.99%-12.4pp | 62.79%-35.2pp | 41.64%-14.0pp |
| Employer contribution / active EE | $1,069 | $2,614-59.1% | $4,154-74.3% | $2,551-58.1% |
| Participant deferral / active EE | $2,033 | $3,214-36.8% | $5,453-62.7% | $4,139-50.9% |
| Admin fee / account holder | $511 | $6,352-91.9% | $14,116-96.4% | $7,234-92.9% |