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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 | $12,959 | $81,487-84.1% | $102,412-87.3% | $80,935-84.0% |
| Participation rate | 74.1% | 66.8%+7.2pp | 74.5%-0.4pp | 67.7%+6.4pp |
| Annual return | 48.41% | 25.60%+22.8pp | 24.94%+23.5pp | 35.66%+12.8pp |
| Employer contribution / active EE | $1,795 | $3,103-42.1% | $3,870-53.6% | $2,757-34.9% |
| Participant deferral / active EE | $2,260 | $3,871-41.6% | $5,060-55.3% | $4,299-47.4% |
| Admin fee / account holder | $2,384 | $6,717-64.5% | $8,388-71.6% | $6,924-65.6% |