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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 | $10,252 | $81,476-87.4% | $102,383-90.0% | $80,925-87.3% |
| Participation rate | 71.8% | 66.8%+4.9pp | 74.5%-2.7pp | 67.7%+4.1pp |
| Annual return | 22.62% | 25.59%-3.0pp | 24.94%-2.3pp | 35.65%-13.0pp |
| Employer contribution / active EE | $1,216 | $3,105-60.8% | $3,870-68.6% | $2,756-55.9% |
| Participant deferral / active EE | $2,564 | $3,871-33.8% | $5,060-49.3% | $4,299-40.3% |
| Admin fee / account holder | $492 | $6,717-92.7% | $8,391-94.1% | $6,940-92.9% |