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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 | $86,949-66.4% | $102,460-71.4% | $80,959-63.9% |
| Participation rate | 73.3% | 72.4%+0.9pp | 76.5%-3.2pp | 67.7%+5.7pp |
| Annual return | 18.62% | 18.89%-0.3pp | 29.47%-10.9pp | 35.67%-17.1pp |
| Employer contribution / active EE | $1,434 | $2,370-39.5% | $3,025-52.6% | $2,757-48.0% |
| Participant deferral / active EE | $2,232 | $4,121-45.8% | $5,056-55.8% | $4,300-48.1% |
| Admin fee / account holder | $3,683 | $8,048-54.2% | $9,460-61.1% | $6,925-46.8% |