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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 | $16,022 | $60,349-73.5% | $74,184-78.4% | $62,881-74.5% |
| Participation rate | 100.0% | 72.7%+27.3pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 12.14% | 21.38%-9.2pp | 17.74%-5.6pp | 20.14%-8.0pp |
| Employer contribution / active EE | $1,542 | $1,680-8.2% | $2,370-34.9% | $2,281-32.4% |
| Participant deferral / active EE | $2,873 | $2,856+0.6% | $3,550-19.1% | $3,203-10.3% |
| Admin fee / account holder | $5,928 | $4,261+39.1% | $5,586+6.1% | $4,296+38.0% |