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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 | $46,239 | $128,603-64.0% | $197,124-76.5% | $67,986-32.0% |
| Participation rate | 90.7% | 81.7%+9.0pp | 86.7%+4.0pp | 57.2%+33.5pp |
| Annual return | 27.79% | 23.77%+4.0pp | 44.34%-16.6pp | 31.67%-3.9pp |
| Employer contribution / active EE | $2,989 | $4,379-31.7% | $6,227-52.0% | $2,019+48.1% |
| Participant deferral / active EE | $7,092 | $6,840+3.7% | $9,135-22.4% | $3,358+111.2% |
| Admin fee / account holder | $5,137 | $3,035+69.3% | $16,298-68.5% | $3,203+60.4% |