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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 | $31,241 | $110,083-71.6% | $151,639-79.4% | $68,486-54.4% |
| Participation rate | 84.6% | 84.0%+0.7pp | 87.5%-2.9pp | 67.9%+16.7pp |
| Annual return | 3.32% | -10.12%+13.4pp | 3.34%0pp | -7.85%+11.2pp |
| Employer contribution / active EE | $3,691 | $4,470-17.4% | $6,165-40.1% | $2,597+42.1% |
| Participant deferral / active EE | $8,613 | $6,526+32.0% | $8,363+3.0% | $4,028+113.8% |
| Admin fee / account holder | $7,507 | $7,718-2.7% | $11,613-35.4% | $5,404+38.9% |