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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 | $29,107 | $94,031-69.0% | $115,768-74.9% | $82,448-64.7% |
| Participation rate | 96.6% | 70.4%+26.1pp | 74.4%+22.2pp | 68.1%+28.5pp |
| Annual return | 15.55% | 20.61%-5.1pp | 100.46%-84.9pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,395 | $2,323-40.0% | $2,940-52.5% | $2,551-45.3% |
| Participant deferral / active EE | $2,472 | $3,972-37.8% | $4,917-49.7% | $4,139-40.3% |
| Admin fee / account holder | $1,772 | $10,249-82.7% | $12,439-85.8% | $7,234-75.5% |