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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 | $24,538 | $136,860-82.1% | $120,344-79.6% | $154,746-84.1% |
| Participation rate | 72.7% | 79.9%-7.2pp | 76.7%-4.0pp | 80.7%-8.0pp |
| Annual return | 19.51% | 21.38%-1.9pp | 20.30%-0.8pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,643 | $3,533-53.5% | $3,020-45.6% | $4,379-62.5% |
| Participant deferral / active EE | $2,883 | $5,793-50.2% | $5,135-43.8% | $6,730-57.2% |
| Admin fee / account holder | $5,913 | $15,393-61.6% | $12,742-53.6% | $14,365-58.8% |