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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 | $10,137 | $72,492-86.0% | $87,104-88.4% | $72,975-86.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 21.28% | 24.46%-3.2pp | 28.19%-6.9pp | 81.01%-59.7pp |
| Employer contribution / active EE | $756 | $1,894-60.1% | $2,521-70.0% | $2,440-69.0% |
| Participant deferral / active EE | $1,494 | $3,270-54.3% | $4,048-63.1% | $3,608-58.6% |
| Admin fee / account holder | $521 | $5,055-89.7% | $7,491-93.0% | $5,124-89.8% |