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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 | $25,326 | $181,896-86.1% | $156,551-83.8% | $273,972-90.8% |
| Participation rate | 94.4% | 88.4%+6.1pp | 84.0%+10.4pp | 83.0%+11.4pp |
| Annual return | 84.95% | 30.74%+54.2pp | 32.23%+52.7pp | 41.46%+43.5pp |
| Employer contribution / active EE | $4,645 | $6,248-25.7% | $5,501-15.6% | $4,869-4.6% |
| Participant deferral / active EE | $8,389 | $5,550+51.2% | $4,871+72.2% | $5,287+58.7% |
| Admin fee / account holder | $1,770 | $15,560-88.6% | $13,028-86.4% | $10,133-82.5% |