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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 | $89,698-89.1% | $103,464-90.5% | $80,874-87.9% |
| Participation rate | 96.3% | 76.0%+20.3pp | 80.5%+15.8pp | 67.6%+28.6pp |
| Annual return | 16.24% | 22.78%-6.5pp | 23.91%-7.7pp | 35.62%-19.4pp |
| Employer contribution / active EE | $2,580 | $4,018-35.8% | $4,677-44.8% | $2,756-6.4% |
| Participant deferral / active EE | $3,405 | $5,456-37.6% | $6,624-48.6% | $4,297-20.8% |
| Admin fee / account holder | $431 | $6,768-93.6% | $9,410-95.4% | $6,935-93.8% |