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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 | $16,362 | $74,535-78.0% | $100,712-83.8% | $82,637-80.2% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 19.00% | 18.92%+0.1pp | 33.27%-14.3pp | 53.51%-34.5pp |
| Employer contribution / active EE | $1,853 | $1,503+23.3% | $2,313-19.9% | $2,552-27.4% |
| Participant deferral / active EE | $3,494 | $3,074+13.7% | $4,085-14.5% | $4,126-15.3% |
| Admin fee / account holder | $2,016 | $6,576-69.3% | $9,256-78.2% | $7,339-72.5% |