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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 | $7,894 | $46,877-83.2% | $122,354-93.5% | $70,126-88.7% |
| Participation rate | 72.4% | 58.2%+14.2pp | 71.6%+0.8pp | 69.5%+2.9pp |
| Annual return | 25.49% | 24.22%+1.3pp | 30.28%-4.8pp | 73.15%-47.7pp |
| Employer contribution / active EE | $1,171 | $1,288-9.1% | $4,051-71.1% | $2,343-50.0% |
| Participant deferral / active EE | $2,131 | $2,167-1.7% | $3,287-35.2% | $3,332-36.0% |
| Admin fee / account holder | $326 | $3,324-90.2% | $5,479-94.1% | $4,645-93.0% |