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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 | $95,453-68.5% | $112,040-73.1% | $82,448-63.5% |
| Participation rate | 86.8% | 72.8%+14.1pp | 76.5%+10.3pp | 68.1%+18.8pp |
| Annual return | 13.08% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,641 | $2,318-29.2% | $2,954-44.4% | $2,551-35.7% |
| Participant deferral / active EE | $3,919 | $4,224-7.2% | $5,098-23.1% | $4,139-5.3% |
| Admin fee / account holder | $2,762 | $9,013-69.4% | $12,098-77.2% | $7,234-61.8% |