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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 | $6,908 | $61,605-88.8% | $112,273-93.8% | $75,173-90.8% |
| Participation rate | 91.8% | 61.7%+30.2pp | 72.4%+19.4pp | 67.2%+24.6pp |
| Annual return | 19.05% | 28.47%-9.4pp | 30.23%-11.2pp | 160.72%-141.7pp |
| Employer contribution / active EE | $1,013 | $2,015-49.7% | $3,431-70.5% | $2,671-62.1% |
| Participant deferral / active EE | $1,737 | $3,108-44.1% | $4,800-63.8% | $4,126-57.9% |
| Admin fee / account holder | $315 | $4,862-93.5% | $7,752-95.9% | $5,651-94.4% |