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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 | $9,296 | $81,504-88.6% | $102,437-90.9% | $80,959-88.5% |
| Participation rate | 89.2% | 66.9%+22.3pp | 74.5%+14.7pp | 67.7%+21.5pp |
| Annual return | 18.18% | 25.60%-7.4pp | 24.95%-6.8pp | 35.67%-17.5pp |
| Employer contribution / active EE | $1,352 | $3,104-56.4% | $3,871-65.1% | $2,757-51.0% |
| Participant deferral / active EE | $3,114 | $3,871-19.6% | $5,060-38.5% | $4,300-27.6% |
| Admin fee / account holder | $763 | $6,719-88.6% | $8,388-90.9% | $6,925-89.0% |