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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 | $5,338 | $44,221-87.9% | $121,220-95.6% | $56,289-90.5% |
| Participation rate | 75.9% | 61.1%+14.8pp | 71.8%+4.1pp | 69.9%+6.0pp |
| Annual return | 1.73% | -3.58%+5.3pp | 16.94%-15.2pp | -9.96%+11.7pp |
| Employer contribution / active EE | $1,200 | $1,480-18.9% | $4,023-70.2% | $2,111-43.2% |
| Participant deferral / active EE | $1,926 | $2,521-23.6% | $3,345-42.4% | $3,350-42.5% |
| Admin fee / account holder | $413 | $480-14.0% | $5,021-91.8% | $521-20.7% |