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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 | $26,788 | $209,422-87.2% | $178,503-85.0% | $158,982-83.2% |
| Participation rate | 95.5% | 86.4%+9.1pp | 81.9%+13.5pp | 82.0%+13.5pp |
| Annual return | 19.29% | 188.81%-169.5pp | 151.12%-131.8pp | 302.99%-283.7pp |
| Employer contribution / active EE | $5,963 | $5,707+4.5% | $5,011+19.0% | $4,763+25.2% |
| Participant deferral / active EE | $2,555 | $5,955-57.1% | $5,202-50.9% | $5,983-57.3% |
| Admin fee / account holder | $302 | $17,079-98.2% | $13,987-97.8% | $11,252-97.3% |