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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 | $9,079 | $96,558-90.6% | $80,977-88.8% | $273,972-96.7% |
| Participation rate | 78.6% | 79.1%-0.5pp | 75.8%+2.8pp | 83.0%-4.4pp |
| Annual return | 15.69% | 15.14%+0.5pp | 17.11%-1.4pp | 41.46%-25.8pp |
| Employer contribution / active EE | $1,896 | $4,869-61.1% | $3,715-49.0% | $4,869-61.1% |
| Participant deferral / active EE | $2,692 | $6,598-59.2% | $5,696-52.7% | $5,287-49.1% |
| Admin fee / account holder | $1,089 | $7,493-85.5% | $5,517-80.3% | $10,133-89.3% |