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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 | $11,853 | $73,988-84.0% | $96,538-87.7% | $75,177-84.2% |
| Participation rate | 97.4% | 66.4%+30.9pp | 74.3%+23.0pp | 67.2%+30.2pp |
| Annual return | 30.91% | 26.73%+4.2pp | 35.74%-4.8pp | 160.75%-129.8pp |
| Employer contribution / active EE | $3,204 | $2,930+9.3% | $3,740-14.3% | $2,671+19.9% |
| Participant deferral / active EE | $3,896 | $3,660+6.4% | $4,880-20.2% | $4,126-5.6% |
| Admin fee / account holder | $1,012 | $5,220-80.6% | $6,737-85.0% | $5,651-82.1% |