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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 | $81,476-87.5% | $102,383-90.0% | $80,925-87.4% |
| Participation rate | 88.2% | 66.8%+21.4pp | 74.5%+13.7pp | 67.7%+20.6pp |
| Annual return | 14.86% | 25.59%-10.7pp | 24.94%-10.1pp | 35.65%-20.8pp |
| Employer contribution / active EE | $2,510 | $3,105-19.2% | $3,870-35.2% | $2,756-8.9% |
| Participant deferral / active EE | $3,968 | $3,871+2.5% | $5,060-21.6% | $4,299-7.7% |
| Admin fee / account holder | $965 | $6,717-85.6% | $8,391-88.5% | $6,940-86.1% |