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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 | $14,835 | $81,457-81.8% | $103,378-85.6% | $80,911-81.7% |
| Participation rate | 88.9% | 66.8%+22.0pp | 74.5%+14.4pp | 67.6%+21.2pp |
| Annual return | 12.03% | 25.58%-13.5pp | 24.91%-12.9pp | 35.63%-23.6pp |
| Employer contribution / active EE | $1,984 | $3,107-36.1% | $3,870-48.7% | $2,756-28.0% |
| Participant deferral / active EE | $3,969 | $3,871+2.5% | $5,058-21.5% | $4,297-7.6% |
| Admin fee / account holder | $684 | $6,717-89.8% | $8,401-91.9% | $6,935-90.1% |