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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 | $13,554 | $52,306-74.1% | $69,779-80.6% | $62,881-78.4% |
| Participation rate | 97.7% | 67.2%+30.4pp | 71.8%+25.8pp | 69.3%+28.4pp |
| Annual return | 37.01% | 13.35%+23.7pp | 12.99%+24.0pp | 20.14%+16.9pp |
| Employer contribution / active EE | $2,217 | $1,799+23.2% | $2,338-5.2% | $2,281-2.8% |
| Participant deferral / active EE | $2,953 | $2,395+23.3% | $2,931+0.8% | $3,203-7.8% |
| Admin fee / account holder | $494 | $3,691-86.6% | $4,381-88.7% | $4,296-88.5% |