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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 | $27,705 | $97,648-71.6% | $121,663-77.2% | $87,485-68.3% |
| Participation rate | 74.5% | 70.5%+4.0pp | 74.5%0pp | 68.9%+5.5pp |
| Annual return | 20.98% | 18.03%+3.0pp | 147.54%-126.6pp | 26.06%-5.1pp |
| Employer contribution / active EE | $1,517 | $2,300-34.0% | $3,020-49.8% | $2,596-41.6% |
| Participant deferral / active EE | $5,175 | $3,923+31.9% | $4,887+5.9% | $4,274+21.1% |
| Admin fee / account holder | $3,418 | $11,100-69.2% | $14,289-76.1% | $7,775-56.0% |