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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 | $22,267 | $135,956-83.6% | $123,894-82.0% | $273,972-91.9% |
| Participation rate | 95.0% | 84.1%+10.9pp | 81.4%+13.6pp | 83.0%+12.0pp |
| Annual return | 12.65% | 56.63%-44.0pp | 47.52%-34.9pp | 41.46%-28.8pp |
| Employer contribution / active EE | $3,171 | $5,170-38.7% | $4,617-31.3% | $4,869-34.9% |
| Participant deferral / active EE | $6,599 | $6,343+4.0% | $5,984+10.3% | $5,287+24.8% |
| Admin fee / account holder | $2,730 | $9,817-72.2% | $8,357-67.3% | $10,133-73.1% |