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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 | $35,262 | $123,793-71.5% | $177,848-80.2% | $79,856-55.8% |
| Participation rate | 95.1% | 84.7%+10.4pp | 87.7%+7.4pp | 69.6%+25.4pp |
| Annual return | 26.79% | 22.82%+4.0pp | 48.33%-21.5pp | 31.71%-4.9pp |
| Employer contribution / active EE | $5,354 | $4,095+30.7% | $5,919-9.5% | $2,471+116.6% |
| Participant deferral / active EE | $3,923 | $5,956-34.1% | $7,714-49.1% | $3,741+4.9% |
| Admin fee / account holder | $696 | $7,243-90.4% | $12,431-94.4% | $5,306-86.9% |