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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 | $13,312 | $117,829-88.7% | $102,423-87.0% | $145,877-90.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 24.60% | 31.83%-7.2pp | 29.42%-4.8pp | 551.28%-526.7pp |
| Employer contribution / active EE | $5,834 | $3,615+61.4% | $3,023+93.0% | $4,663+25.1% |
| Participant deferral / active EE | $9,585 | $5,732+67.2% | $5,054+89.6% | $6,691+43.3% |
| Admin fee / account holder | $3,232 | $13,335-75.8% | $9,455-65.8% | $13,402-75.9% |