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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 | $10,714 | $79,894-86.6% | $135,792-92.1% | $82,637-87.0% |
| Participation rate | 75.0% | 63.0%+12.0pp | 72.6%+2.4pp | 68.1%+6.9pp |
| Annual return | 22.31% | 17.20%+5.1pp | 25.96%-3.6pp | 53.51%-31.2pp |
| Employer contribution / active EE | $1,388 | $2,165-35.9% | $3,496-60.3% | $2,552-45.6% |
| Participant deferral / active EE | $1,958 | $3,194-38.7% | $4,759-58.9% | $4,126-52.6% |
| Admin fee / account holder | $2,043 | $6,434-68.2% | $12,266-83.3% | $7,339-72.2% |