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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 | $15,465 | $209,425-92.6% | $178,499-91.3% | $158,966-90.3% |
| Participation rate | 84.2% | 86.4%-2.1pp | 81.9%+2.3pp | 82.0%+2.2pp |
| Annual return | 19.05% | 188.80%-169.7pp | 151.10%-132.1pp | 302.95%-283.9pp |
| Employer contribution / active EE | $1,783 | $5,707-68.8% | $5,011-64.4% | $4,762-62.6% |
| Participant deferral / active EE | $2,410 | $5,955-59.5% | $5,202-53.7% | $5,983-59.7% |
| Admin fee / account holder | $968 | $17,078-94.3% | $13,986-93.1% | $11,250-91.4% |