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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 | $11,792 | $81,504-85.5% | $102,437-88.5% | $80,959-85.4% |
| Participation rate | 98.1% | 66.9%+31.2pp | 74.5%+23.6pp | 67.7%+30.4pp |
| Annual return | 21.06% | 25.60%-4.5pp | 24.95%-3.9pp | 35.67%-14.6pp |
| Employer contribution / active EE | $5,151 | $3,104+66.0% | $3,871+33.1% | $2,757+86.8% |
| Participant deferral / active EE | $2,983 | $3,871-22.9% | $5,060-41.1% | $4,300-30.6% |
| Admin fee / account holder | $1,644 | $6,719-75.5% | $8,388-80.4% | $6,925-76.3% |