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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 | $22,011 | $80,992-72.8% | $96,534-77.2% | $75,173-70.7% |
| Participation rate | 78.9% | 71.8%+7.2pp | 76.0%+3.0pp | 67.2%+11.7pp |
| Annual return | 24.01% | 27.05%-3.0pp | 25.88%-1.9pp | 160.72%-136.7pp |
| Employer contribution / active EE | $2,358 | $2,283+3.3% | $2,965-20.5% | $2,671-11.7% |
| Participant deferral / active EE | $4,542 | $3,929+15.6% | $4,851-6.4% | $4,126+10.1% |
| Admin fee / account holder | $359 | $6,717-94.7% | $8,253-95.6% | $5,651-93.6% |