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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 | $9,005 | $106,280-91.5% | $96,538-90.7% | $139,487-93.5% |
| Participation rate | 82.4% | 77.8%+4.5pp | 74.3%+8.0pp | 80.3%+2.0pp |
| Annual return | 38.35% | 38.48%-0.1pp | 35.74%+2.6pp | 373.84%-335.5pp |
| Employer contribution / active EE | $2,989 | $4,107-27.2% | $3,740-20.1% | $4,755-37.1% |
| Participant deferral / active EE | $2,514 | $5,457-53.9% | $4,880-48.5% | $6,713-62.5% |
| Admin fee / account holder | $744 | $7,888-90.6% | $6,737-89.0% | $11,407-93.5% |