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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 | $30,723 | $95,453-67.8% | $112,040-72.6% | $82,448-62.7% |
| Participation rate | 98.0% | 72.8%+25.2pp | 76.5%+21.5pp | 68.1%+29.9pp |
| Annual return | 16.76% | 23.92%-7.2pp | 24.52%-7.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $3,106 | $2,318+34.0% | $2,954+5.1% | $2,551+21.8% |
| Participant deferral / active EE | $4,331 | $4,224+2.5% | $5,098-15.0% | $4,139+4.6% |
| Admin fee / account holder | $1,204 | $9,013-86.6% | $12,098-90.1% | $7,234-83.4% |