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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 | $10,223 | $81,504-87.5% | $102,437-90.0% | $80,959-87.4% |
| Participation rate | 88.2% | 66.9%+21.4pp | 74.5%+13.7pp | 67.7%+20.6pp |
| Annual return | 14.86% | 25.60%-10.7pp | 24.95%-10.1pp | 35.67%-20.8pp |
| Employer contribution / active EE | $2,510 | $3,104-19.1% | $3,871-35.2% | $2,757-9.0% |
| Participant deferral / active EE | $3,968 | $3,871+2.5% | $5,060-21.6% | $4,300-7.7% |
| Admin fee / account holder | $965 | $6,719-85.6% | $8,388-88.5% | $6,925-86.1% |