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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 | $23,700 | $79,961-70.4% | $98,462-75.9% | $75,177-68.5% |
| Participation rate | 88.0% | 70.4%+17.6pp | 75.2%+12.8pp | 67.2%+20.8pp |
| Annual return | 34.68% | 19.75%+14.9pp | 21.17%+13.5pp | 160.75%-126.1pp |
| Employer contribution / active EE | $1,632 | $2,264-27.9% | $3,049-46.5% | $2,671-38.9% |
| Participant deferral / active EE | $3,384 | $3,753-9.8% | $4,738-28.6% | $4,126-18.0% |
| Admin fee / account holder | $511 | $6,842-92.5% | $8,875-94.2% | $5,651-91.0% |