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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 | $25,348 | $177,156-85.7% | $147,027-82.8% | $154,746-83.6% |
| Participation rate | 80.0% | 79.4%+0.6pp | 73.7%+6.3pp | 80.7%-0.7pp |
| Annual return | 21.53% | 21.94%-0.4pp | 20.23%+1.3pp | 172.34%-150.8pp |
| Employer contribution / active EE | $2,633 | $4,336-39.3% | $3,626-27.4% | $4,379-39.9% |
| Participant deferral / active EE | $4,058 | $5,797-30.0% | $4,933-17.7% | $6,730-39.7% |
| Admin fee / account holder | $1,921 | $14,904-87.1% | $12,223-84.3% | $14,365-86.6% |