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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 | $12,897 | $209,425-93.8% | $178,499-92.8% | $158,966-91.9% |
| Participation rate | 70.8% | 86.4%-15.5pp | 81.9%-11.1pp | 82.0%-11.1pp |
| Annual return | 20.35% | 188.80%-168.4pp | 151.10%-130.8pp | 302.95%-282.6pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $3,608 | $5,955-39.4% | $5,202-30.6% | $5,983-39.7% |
| Admin fee / account holder | $1,572 | $17,078-90.8% | $13,986-88.8% | $11,250-86.0% |