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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 | $15,168 | $73,978-79.5% | $96,515-84.3% | $75,173-79.8% |
| Participation rate | 87.1% | 66.4%+20.7pp | 74.3%+12.8pp | 67.2%+19.9pp |
| Annual return | 25.08% | 26.72%-1.6pp | 35.73%-10.7pp | 160.72%-135.6pp |
| Employer contribution / active EE | $3,816 | $2,931+30.2% | $3,740+2.1% | $2,671+42.9% |
| Participant deferral / active EE | $2,478 | $3,660-32.3% | $4,880-49.2% | $4,126-39.9% |
| Admin fee / account holder | $320 | $5,219-93.9% | $6,735-95.3% | $5,651-94.3% |