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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 | $8,190 | $108,825-92.5% | $156,181-94.8% | $82,448-90.1% |
| Participation rate | 85.0% | 72.4%+12.6pp | 78.8%+6.2pp | 68.1%+16.9pp |
| Annual return | 21.87% | 20.59%+1.3pp | 64.87%-43.0pp | 41.64%-19.8pp |
| Employer contribution / active EE | $1,404 | $2,870-51.1% | $4,294-67.3% | $2,551-44.9% |
| Participant deferral / active EE | $2,337 | $4,577-48.9% | $6,132-61.9% | $4,139-43.5% |
| Admin fee / account holder | $722 | $9,341-92.3% | $14,586-95.0% | $7,234-90.0% |