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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 | $30,107 | $95,404-68.4% | $113,397-73.5% | $82,637-63.6% |
| Participation rate | 86.8% | 72.8%+14.0pp | 76.5%+10.3pp | 68.1%+18.8pp |
| Annual return | 13.08% | 19.08%-6.0pp | 23.20%-10.1pp | 53.51%-40.4pp |
| Employer contribution / active EE | $1,641 | $2,307-28.9% | $2,977-44.9% | $2,552-35.7% |
| Participant deferral / active EE | $3,919 | $4,220-7.1% | $5,076-22.8% | $4,126-5.0% |
| Admin fee / account holder | $2,762 | $9,168-69.9% | $11,957-76.9% | $7,339-62.4% |