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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 | $30,239 | $115,931-73.9% | $185,441-83.7% | $86,983-65.2% |
| Participation rate | 100.0% | 73.6%+26.4pp | 80.3%+19.7pp | 69.5%+30.5pp |
| Annual return | 16.08% | 21.47%-5.4pp | 20.16%-4.1pp | 25.83%-9.8pp |
| Employer contribution / active EE | $859 | $2,937-70.7% | $4,672-81.6% | $2,584-66.8% |
| Participant deferral / active EE | $5,221 | $4,551+14.7% | $6,152-15.1% | $4,194+24.5% |
| Admin fee / account holder | $2,018 | $10,687-81.1% | $17,890-88.7% | $7,856-74.3% |