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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 | $9,817 | $89,515-89.0% | $103,065-90.5% | $80,959-87.9% |
| Participation rate | 96.3% | 76.0%+20.3pp | 80.6%+15.7pp | 67.7%+28.6pp |
| Annual return | 16.24% | 22.82%-6.6pp | 23.95%-7.7pp | 35.67%-19.4pp |
| Employer contribution / active EE | $2,580 | $4,015-35.7% | $4,675-44.8% | $2,757-6.4% |
| Participant deferral / active EE | $3,405 | $5,463-37.7% | $6,625-48.6% | $4,300-20.8% |
| Admin fee / account holder | $431 | $6,527-93.4% | $9,349-95.4% | $6,925-93.8% |