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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 | $17,711 | $63,346-72.0% | $92,240-80.8% | $70,126-74.7% |
| Participation rate | 82.1% | 68.7%+13.5pp | 76.5%+5.7pp | 69.5%+12.6pp |
| Annual return | 20.87% | 530.19%-509.3pp | 176.29%-155.4pp | 73.15%-52.3pp |
| Employer contribution / active EE | $5,231 | $2,471+111.7% | $3,680+42.2% | $2,343+123.3% |
| Participant deferral / active EE | $1,511 | $2,854-47.1% | $3,897-61.2% | $3,332-54.7% |
| Admin fee / account holder | $847 | $3,841-77.9% | $5,194-83.7% | $4,645-81.8% |