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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 | $21,866 | $217,432-89.9% | $185,849-88.2% | $167,536-86.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.54% | 148.42%-136.9pp | 122.10%-110.6pp | 478.82%-467.3pp |
| Employer contribution / active EE | $2,391 | $5,875-59.3% | $5,169-53.7% | $4,839-50.6% |
| Participant deferral / active EE | $7,759 | $6,357+22.0% | $5,569+39.3% | $6,342+22.3% |
| Admin fee / account holder | $5,747 | $19,818-71.0% | $16,244-64.6% | $12,315-53.3% |