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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 | $13,214 | $181,896-92.7% | $156,551-91.6% | $273,972-95.2% |
| Participation rate | 70.8% | 88.4%-17.6pp | 84.0%-13.2pp | 83.0%-12.2pp |
| Annual return | 8.29% | 30.74%-22.5pp | 32.23%-23.9pp | 41.46%-33.2pp |
| Employer contribution / active EE | $1,468 | $6,248-76.5% | $5,501-73.3% | $4,869-69.8% |
| Participant deferral / active EE | $2,124 | $5,550-61.7% | $4,871-56.4% | $5,287-59.8% |
| Admin fee / account holder | $422 | $15,560-97.3% | $13,028-96.8% | $10,133-95.8% |