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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 | $18,885 | $76,551-75.3% | $123,894-84.8% | $62,881-70.0% |
| Participation rate | 95.8% | 73.0%+22.9pp | 81.4%+14.4pp | 69.3%+26.5pp |
| Annual return | 33.43% | 18.68%+14.8pp | 47.52%-14.1pp | 20.14%+13.3pp |
| Employer contribution / active EE | $3,244 | $2,882+12.5% | $4,617-29.7% | $2,281+42.2% |
| Participant deferral / active EE | $6,291 | $4,840+30.0% | $5,984+5.1% | $3,203+96.4% |
| Admin fee / account holder | $1,292 | $4,826-73.2% | $8,357-84.5% | $4,296-69.9% |