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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 | $30,560 | $181,896-83.2% | $156,551-80.5% | $273,972-88.8% |
| Participation rate | 94.7% | 88.4%+6.4pp | 84.0%+10.7pp | 83.0%+11.7pp |
| Annual return | 9.95% | 30.74%-20.8pp | 32.23%-22.3pp | 41.46%-31.5pp |
| Employer contribution / active EE | $6,879 | $6,248+10.1% | $5,501+25.0% | $4,869+41.3% |
| Participant deferral / active EE | $5,565 | $5,550+0.3% | $4,871+14.2% | $5,287+5.2% |
| Admin fee / account holder | $683 | $15,560-95.6% | $13,028-94.8% | $10,133-93.3% |