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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 | $8,570 | $56,287-84.8% | $80,977-89.4% | $62,881-86.4% |
| Participation rate | 80.0% | 68.9%+11.1pp | 75.8%+4.2pp | 69.3%+10.7pp |
| Annual return | 13.85% | 22.13%-8.3pp | 17.11%-3.3pp | 20.14%-6.3pp |
| Employer contribution / active EE | $1,693 | $1,943-12.8% | $3,715-54.4% | $2,281-25.8% |
| Participant deferral / active EE | $2,595 | $4,196-38.1% | $5,696-54.4% | $3,203-19.0% |
| Admin fee / account holder | $429 | $3,742-88.5% | $5,517-92.2% | $4,296-90.0% |