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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 | $27,318 | $91,559-70.2% | $133,971-79.6% | $79,852-65.8% |
| Participation rate | 83.6% | 73.3%+10.2pp | 79.8%+3.7pp | 69.6%+13.9pp |
| Annual return | 16.15% | 61.85%-45.7pp | 45.09%-28.9pp | 31.72%-15.6pp |
| Employer contribution / active EE | $2,217 | $2,384-7.0% | $3,919-43.4% | $2,471-10.3% |
| Participant deferral / active EE | $5,546 | $3,734+48.5% | $5,047+9.9% | $3,740+48.3% |
| Admin fee / account holder | $4,799 | $6,321-24.1% | $8,929-46.3% | $5,306-9.6% |