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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 | $29,977 | $202,342-85.2% | $172,753-82.6% | $152,909-80.4% |
| Participation rate | 85.7% | 87.1%-1.3pp | 82.6%+3.1pp | 82.5%+3.3pp |
| Annual return | 25.13% | 1029.88%-1004.7pp | 803.00%-777.9pp | 345.46%-320.3pp |
| Employer contribution / active EE | $1,447 | $5,857-75.3% | $5,144-71.9% | $4,764-69.6% |
| Participant deferral / active EE | $2,216 | $5,948-62.7% | $5,198-57.4% | $5,851-62.1% |
| Admin fee / account holder | $403 | $17,112-97.6% | $13,956-97.1% | $11,601-96.5% |