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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 | $9,800 | $67,602-85.5% | $82,312-88.1% | $70,126-86.0% |
| Participation rate | 98.5% | 72.8%+25.7pp | 76.9%+21.6pp | 69.5%+28.9pp |
| Annual return | 16.61% | 21.57%-5.0pp | 25.88%-9.3pp | 73.15%-56.5pp |
| Employer contribution / active EE | $1,416 | $1,755-19.3% | $2,428-41.7% | $2,343-39.6% |
| Participant deferral / active EE | $2,209 | $2,987-26.1% | $3,706-40.4% | $3,332-33.7% |
| Admin fee / account holder | $424 | $4,512-90.6% | $5,608-92.4% | $4,645-90.9% |