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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 | $11,675 | $53,777-78.3% | $134,155-91.3% | $79,858-85.4% |
| Participation rate | 100.0% | 58.8%+41.2pp | 72.2%+27.8pp | 69.6%+30.4pp |
| Annual return | 23.35% | 19.01%+4.3pp | 36.34%-13.0pp | 31.72%-8.4pp |
| Employer contribution / active EE | $1,697 | $1,321+28.4% | $3,705-54.2% | $2,471-31.3% |
| Participant deferral / active EE | $2,081 | $2,420-14.0% | $3,500-40.5% | $3,740-44.4% |
| Admin fee / account holder | $2,742 | $3,984-31.2% | $6,685-59.0% | $5,306-48.3% |