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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 | $29,253 | $86,938-66.4% | $102,423-71.4% | $80,925-63.9% |
| Participation rate | 73.3% | 72.4%+1.0pp | 76.5%-3.2pp | 67.7%+5.7pp |
| Annual return | 18.62% | 18.89%-0.3pp | 29.42%-10.8pp | 35.65%-17.0pp |
| Employer contribution / active EE | $1,434 | $2,369-39.5% | $3,023-52.6% | $2,756-48.0% |
| Participant deferral / active EE | $2,232 | $4,120-45.8% | $5,054-55.8% | $4,299-48.1% |
| Admin fee / account holder | $3,683 | $8,053-54.3% | $9,455-61.0% | $6,940-46.9% |