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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 | $28,005 | $86,940-67.8% | $102,434-72.7% | $80,935-65.4% |
| Participation rate | 96.8% | 72.4%+24.4pp | 76.5%+20.3pp | 67.7%+29.1pp |
| Annual return | 10.84% | 18.89%-8.1pp | 29.46%-18.6pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,926 | $2,370-18.7% | $3,023-36.3% | $2,757-30.1% |
| Participant deferral / active EE | $3,727 | $4,121-9.6% | $5,055-26.3% | $4,299-13.3% |
| Admin fee / account holder | $1,183 | $8,047-85.3% | $9,462-87.5% | $6,924-82.9% |