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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 | $18,262 | $78,682-76.8% | $109,188-83.3% | $85,851-78.7% |
| Participation rate | 90.3% | 68.3%+22.0pp | 75.9%+14.4pp | 69.3%+21.0pp |
| Annual return | 11.67% | 25.09%-13.4pp | 25.76%-14.1pp | 318.63%-307.0pp |
| Employer contribution / active EE | $2,290 | $2,734-16.2% | $3,723-38.5% | $2,565-10.7% |
| Participant deferral / active EE | $3,032 | $3,468-12.6% | $4,654-34.9% | $3,952-23.3% |
| Admin fee / account holder | $580 | $5,470-89.4% | $6,755-91.4% | $6,261-90.7% |