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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 | $16,388 | $87,834-81.3% | $133,975-87.8% | $62,881-73.9% |
| Participation rate | 84.4% | 83.4%+1.1pp | 87.1%-2.6pp | 69.3%+15.1pp |
| Annual return | 8.86% | 12.05%-3.2pp | 29.29%-20.4pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,853 | $3,482-46.8% | $5,211-64.5% | $2,281-18.8% |
| Participant deferral / active EE | $3,238 | $4,812-32.7% | $6,282-48.5% | $3,203+1.1% |
| Admin fee / account holder | $532 | $5,372-90.1% | $9,324-94.3% | $4,296-87.6% |