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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 | $25,515 | $181,896-86.0% | $156,551-83.7% | $273,972-90.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 43.74% | 30.74%+13.0pp | 32.23%+11.5pp | 41.46%+2.3pp |
| Employer contribution / active EE | $13,293 | $6,248+112.8% | $5,501+141.6% | $4,869+173.0% |
| Participant deferral / active EE | $9,530 | $5,550+71.7% | $4,871+95.6% | $5,287+80.2% |
| Admin fee / account holder | $773 | $15,560-95.0% | $13,028-94.1% | $10,133-92.4% |