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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 | $19,762 | $78,670-74.9% | $109,173-81.9% | $85,847-77.0% |
| Participation rate | 88.2% | 68.3%+20.0pp | 75.9%+12.4pp | 69.3%+18.9pp |
| Annual return | 18.34% | 25.09%-6.8pp | 25.75%-7.4pp | 318.61%-300.3pp |
| Employer contribution / active EE | $2,594 | $2,734-5.1% | $3,723-30.3% | $2,565+1.1% |
| Participant deferral / active EE | $3,720 | $3,467+7.3% | $4,654-20.1% | $3,952-5.9% |
| Admin fee / account holder | $1,117 | $5,469-79.6% | $6,755-83.5% | $6,261-82.2% |