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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 | $14,777 | $157,276-90.6% | $141,177-89.5% | $152,885-90.3% |
| Participation rate | 89.5% | 84.8%+4.7pp | 82.5%+7.0pp | 82.5%+7.0pp |
| Annual return | 21.31% | 64.33%-43.0pp | 71.40%-50.1pp | 345.39%-324.1pp |
| Employer contribution / active EE | $4,841 | $5,262-8.0% | $4,736+2.2% | $4,763+1.6% |
| Participant deferral / active EE | $2,463 | $7,110-65.4% | $6,710-63.3% | $5,851-57.9% |
| Admin fee / account holder | $404 | $12,123-96.7% | $10,263-96.1% | $11,598-96.5% |