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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 | $13,670 | $84,236-83.8% | $170,435-92.0% | $70,126-80.5% |
| Participation rate | 96.0% | 70.8%+25.2pp | 83.6%+12.4pp | 69.5%+26.5pp |
| Annual return | 31.22% | 23.06%+8.2pp | 205.94%-174.7pp | 73.15%-41.9pp |
| Employer contribution / active EE | $3,849 | $3,387+13.6% | $5,432-29.2% | $2,343+64.3% |
| Participant deferral / active EE | $1,243 | $3,086-59.7% | $4,939-74.8% | $3,332-62.7% |
| Admin fee / account holder | $312 | $5,698-94.5% | $13,881-97.8% | $4,645-93.3% |