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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 | $4,764 | $67,602-93.0% | $82,312-94.2% | $70,126-93.2% |
| Participation rate | 90.4% | 72.8%+17.6pp | 76.9%+13.5pp | 69.5%+20.8pp |
| Annual return | 21.64% | 21.57%+0.1pp | 25.88%-4.2pp | 73.15%-51.5pp |
| Employer contribution / active EE | $784 | $1,755-55.3% | $2,428-67.7% | $2,343-66.5% |
| Participant deferral / active EE | $2,474 | $2,987-17.2% | $3,706-33.2% | $3,332-25.7% |
| Admin fee / account holder | $654 | $4,512-85.5% | $5,608-88.3% | $4,645-85.9% |